Note: For a second or third child, you will spend much less on furniture, clothing, and toys, but health care, child care, and food will remain the same.

注意：对于第二个或者第三个孩子，你在家具，衣服，玩具上的花费将会减少，但是在健康照顾，食物方面的花费将会保持一致。

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The liveliest note, the most wonderful melody, will accompany your child 's healthy development. Be equipped with the intelligence for a lifelong benefit.

最鲜活的音符，最美妙的旋律，将陪伴您的孩子健康成长，从现在开始聪明一辈子，终身受益无穷。

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But there are plenty of drawbacks: You can't make an Education IRAand a state plan contribution for the same child in the same year. (Note to in-laws: coordinate contributions.) A student who pulls tax-free money from these IRAs can't use the Hope or Lifetime Learning Credit the same year.

FORBES: College breaks