Dear Dave,

My wife and I recently learned she’s pregnant. She’s about to begin her second trimester, and we’re both really excited. There is a bit of concern, though. During a detailed ultrasound, the doctor found an issue that might mean our baby could need minor surgery soon after delivery. Financially, we’re in Baby Step 2 of your plan. With the extra bills after the baby’s born, should we save money in a sinking fund for the added expenses while we continue paying off debt?

Jared

Dear Jared,

Congratulations on the new baby! I know you’re both probably on an emotional rollercoaster right now, what with the pregnancy and the possibility of surgery for your little one. Make sure you pray and hug on each other a lot in the days ahead, okay? Doctors can do all kinds of incredible things

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