Saving for a big family cost need not leave you short. Keep separate pots for...

https://technivorz.com/what-does-regulated-borrowing-mean-for-family-finance-decisions/

Saving for a big family cost need not leave you short. Keep separate pots for the goal and emergencies. Stress-test your budget with an awkward month of lower pay and higher bills. If it feels tight, save less rather than risk having no cash for a repair.