The people who will hold your baby when you cannot. Give this chapter room — it is often the largest number of the first year.

• Daycare (monthly)

  Is there a waitlist deposit or registration fee?

  Daycare (monthly) — a little note

  Daycare (monthly) — cost in dollars

• Nanny or au pair (monthly)

  Nanny or au pair (monthly) — a little note

  Nanny or au pair (monthly) — cost in dollars

• Backup care & date-night sitters

  Backup care & date-night sitters — a little note

  Backup care & date-night sitters — cost in dollars

• Registration & waitlist fees· have you thought about…

  Registration & waitlist fees — a little note

  Registration & waitlist fees — cost in dollars

• Family help — travel or gifts· have you thought about…

  Family help — travel or gifts — a little note

  Family help — travel or gifts — cost in dollars

• Parental-leave income gap· have you thought about…

  Parental-leave income gap — a little note

  Parental-leave income gap — cost in dollars