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b'James and Nicole, 42 and 44, just had a second baby\\u2014but they weren\\u2019t prepared for the additional costs associated with a growing family. They spend 90% of what they make and struggle to afford childcare. Nicole\\u2019s maternity leave is ending \\u2013 how will she balance work and raising an infant?\\xa0\\nThis episode is brought to you by:\\nNetsuite | Get visibility to everything in your business one one place. Sign up and defer payments, with no interest, for six months at https://iwt.com/netsuite.\\nSuperhuman | Get a free month of lightning fast email at https://try.sprh.mn/ramitsethi.\\nFacet | Get affordable, accessible financial planning with a flat fee membership. For a limited time, the $250 enrollment fee will be waived when you sign up at https://facet.com/ramit.\\nDeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off.\\nTrade | Right now, Trade is offering our audience a free bag of coffee with any subscription at https://drinktrade.com/ramit.\\nConnect with Ramit\\n\\u2022 Get the Podcast Newsletter and exclusive Q&A about the show\\n\\u2022\\xa0Get Money Coaching with Ramit\\xa0\\n\\u2022\\xa0Download the Conscious Spending Plan\\n\\u2022\\xa0Listen to my book\\u2014now on Audible\\n\\u2022\\xa0Get my New York Times best-selling book\\n\\u2022\\xa0Get my no-numbers journal\\n\\u2022\\xa0Other episodes\\n\\u2022\\xa0Instagram\\n\\u2022\\xa0Twitter\\n\\u2022\\xa0YouTube\\n\\u2022\\xa0Submit a question for the newsletter iwt.com/askramit\\xa0\\nIf you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here.\\nProduced by Crate Media.'