My husband makes a good salary on his own so we???re lucky, but we???re still trying to figure out how to budget bunk beds for the kids since our apartment is a 3 bedroom and we need one of those rooms for an office, upgrading to a minivan since 3 carseats won???t fit in the back of a sedan, and paying out of pocket for my maternity care since our private insurance isn???t covering any of it.