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Chapter 18 / Complete chapter

The True Cost of Raising Kids

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Chapter 18 editorial cartoon: Baby hasn't arrived. The family meeting has. Enlarge illustration
Baby hasn't arrived. The family meeting has.

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Editorial cartoon · Chapter 18Baby hasn't arrived. The family meeting has.

Original illustration with Chinese lettering; the English dialogue is below. Humour is a reading aid, not evidence.

English dialogue
  • Who's counting the money?
  • Count the time as well.

Start by claiming what you’re entitled to: the national dibao program gives 3,600 yuan per child per year until the child turns 3.

If your child was born after January 1, 2025, and is under 3 years old, you qualify for this payment. One parent or legal guardian can submit the appl…

Cost
Zero out-of-pocket expense. Simply apply at the local hukou office where your child is reg…
Benefit
As stipulated in the policy issued by the General Offices of the CPC Central Committee and…

Maternity leave lasts 98 days; maternity benefits are paid by the maternity insurance fund based on the employer’s average monthly wage from the prior year.

You’re entitled to at least 98 days of maternity leave, including up to 15 days you can take before the birth. If the delivery is difficult, you get a…

Cost
There is no cost to you. Your employer handles all the paperwork — you don’t need to do an…
Benefit
The length of maternity leave is set by the State Council: “Female employees are entitled …

The time-cost calculation is based on “whose time is being used,” not on “how hard it is”

Count up all the hours spent caring for the child each day, plus every nighttime wake-up call. Then multiply that total by the hourly wage of the pers…

Cost
There’s no monetary expense — only time is spent. For children under 3, that time is essen…
Benefit
By converting daily childcare time and nighttime interruptions into hours, then multiplyin…

Keep separate accounts for having kids for your elders, for marriage, and for old-age security

Others may expect you to have children, and that can certainly be one factor to consider. Yet the time and money involved are expenses you personally …

Cost
There’s no monetary cost — only the cost of having a sincere conversation. The real challe…
Benefit
The reasoning here mirrors that in Section 10. External expectations are valid considerati…

When considering delaying childbirth, factor female age into the life balance sheet: spontaneous conception odds and IVF success rates decline sharply around age 40

Female biological fecundability declines progressively with age; women in their early 40s have roughly half the monthly conception rate of women in th…

Cost
Zero financial outlay; requires an honest, objective conversation between partners. The di…
Benefit
In natural fecundability, a prospective cohort study of women aged 30–44 without history o…