Planning a big family cost in the UK? Keep money for the goal in a separate...

https://cristiansinspiringjournals.rivetgarden.com/posts/what-workplace-benefits-can-help-with-childcare-costs

Planning a big family cost in the UK? Keep money for the goal in a separate savings pot from your emergency buffer. Stress-test your budget with an awkward month of higher bills or reduced income, so you can spot a shortfall before committing.