Assume your federal income tax rate is 27 percent, meaning $8,100 of your $30,000 paycheck will go to the federal government. Then, factor in the following expenses:

Work clothes and dry cleaning: $1,200 ($100 per month)

Meals out: $1,500 (three times per week at $10 per meal for 50 weeks)

Daycare: $7,000 (According to the Children's Defense Fund, full-day childcare averages between $4,000 to $10,000 per year, and is generally higher in large metropolitan areas.)

Home repairs/housekeeping: $3,100

Commuting: $2,500 (in parking fees, gas and higher car insurance)

2. Assurance of you raising the child

2. Making money for the family and watching children

1. Keep job and have baby present with you

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