This is what my thoughts were a few weeks ago (my wife is at 19 weeks now). We weren't married and not even engaged. I was saving up for a ring and surprising her over the holidays.

That being said, I didn't know anything about cost, insurance, time off, etc,. I went to my HR person and he told me my insurance would be x amount a month and she wouldn't be covered since we weren't married. So we got hitched. Not how we planned it but to each scenario, there's an answer. So now she's covered. Good. I asked to see if I would get paid time off and the HR guy looked right at me and mockingly said no. So luckily, I'm very stingy with my sick time/vacation so I have a few weeks to take off if I really feel the need. I don't want to take any since i work 3 days a week but my wife got really upset when i told her i planned on working.

Daycare was our next priority. I have no family here and work the weekends. That's so much harder than normal 9-5 daycare. Not many people willing to give up their Saturday. But, as other people said, you're price is a little high. For new borns, the price is one thing, but some daycares only take a few new borns at a time since they need so much care. I would start looking NOW. I thought it was early looking 10 weeks into the pregnancy but even then, we couldn't find anything.

Another thing, just be happy around your wife. Your stress will make her feel bad. They can sense it pretty easy. I took on 2 p/t jobs. One seasonal and another around my apartment complex to get rent credit. The seasonal job only was a few weeks but that would have been almost 2 months of daycare. We are slowly buying the necessities as we go but we both plan on being a few months ahead so we can have that buffer over our heads.

Write all your expenses down and look at all the numbers. I pushed to pay a few of the random credit card debt i had because managing payments to a handful of accounts can be stressful.