Reflections on Parenthood and Financial Planning When my first daughter was born, we were overjoyed. It was an extraordinary feeling to witness a living being emerge from the love my partner and I shared—something that transformed my life from solitude to family. We were busy, but our finances were manageable. There was still a fire in my belly when it came to work, especially since it was pre-COVID—specifically, the year 2019. The Decision for a Second Child We decided to have a second child, Rui. However, this journey was not as smooth sailing as the first. We faced medical complications both before and after her birth, leading to rising medical bills and increased stress in managing our finances. Fortunately, I had been investing in dividends for some time, which, along with our jobs, allowed us to manage our expenses exceeding $130,000 annually. The Challenge of Time...