This is true. My insurance deductible was $4,000 per person, $14k family. Hospital and clinicians each billed both mother and newborn to max out both deductibles. Then the car seat/crib/diapers/high chair/clothes/everything, plus missed work with FLMA but no pay.
So 2 kids cost $14k just to pull them out of the womb, then all the layered costs of deeding/clothing/living.
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We are barely above poverty for the first time in my life, but all this debt and $1,300 monthly payments to pay it back are definitely putting us back under. I can’t even afford to publish the books I’ve written this year so we can barely dig our way out.
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