Replying to @Kaylee there are so many things to consider when your family planning are trying to conceive. One of the things I did not think about was the cut off, and how that was going to impact our finances and when our children went to school ultimately. I am also aware that not everybody has the luxury of planning when they have a child. I had fertility issues and totally understand that it is not always up to us but if you do have the option to plan for at all I do try to recommend having a child before the cut off. ##kindergarten##millennialmom##momof4kids##familyplanning##familybudget##costofchildcare