Your baby is now a fully ambulatory, free-range toddler. Prior to that, you and your spouse might have gotten away with containing all three of you in a one-bedroom apartment. But that storied, innocent time is now over, and separate accommodations are now necessary, with a room for your young charge and another one for you two.
This living arrangement will cost $4,900 a year, for three years, and it doesn't just apply to the mortgage payment or rent for the roof over your heads. Included in the "housing" category are such expenses as utilities, appliances and furniture, like the crayon-smeared leather couch that reminds you that you can't have nice things.