Take it from me and the other moms who learned the hard way, you want to think about pregnancy and babies before you even start trying. If you are planning on starting a family soon, consider everything you haven't considered yet. You don't want to decide at 34 weeks into your pregnancy, that you think a homebirth midwife is a better option than an OB (which comes with a hefty price tag without the right insurance!). Or that you want to hire the best birth photographer in town to come take pictures of you while you welcome your baby into this world. Birth and baby related expenses can add up fast, and before you know it, you might find yourself choosing which items matter most to you because you waited until last minute to plan. Making big decisions late in your pregnancy can be stressful, financially impossible, or even heartbreaking if you fall in love with something you can't have.