For example, if your child says, "Homeless people should get jobs and sleep in their own houses."

例如，如果您的孩子说：“无家可归的人应得的就业机会和睡在自己的房子”。

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'If your child is too emotionally immature to understand the risks, then you need to be a bit more protective,' says Bayley.

“如果你的孩子因为感情不成熟不能理解危险状况，你有必要采取更多保护措施，”Bayley说。

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"If you have a bilingual babysitter, encourage her to speak her native language to your child exclusively," says Rhodes.

“如果你们的保姆会讲外语，鼓励她专门用地道的外语和孩子们讲话”，罗兹说道。

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If you are using a 529 plan to save for college, make sure the plan is listed under your name and not your child's, Mr. Chany says. (If necessary, you can easily change ownership of the account.) That way, you are apt to get more aid money.

WSJ: The College-Aid Shuffle

Risk planning, the other side of financial planning for a new child, Kay says, involves limiting the downside if something untoward happens to you or your spouse.

FORBES: Magazine Article