# @nerdwallet on Instagram

- **Type:** Video
- **Original URL:** https://www.instagram.com/p/DXcljWmkmiX
- **Gondola URL:** https://gondola.cc/posts/64593270-nerdwallet-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/1f22d74722.jpg
- **Posted:** 2026-04-22T20:09:47.000+00:00
- **Account Owner:** NerdWallet (@nerdwallet) — https://gondola.cc/nerdwallet

## Caption

The government says childcare is “affordable” if it costs less than 7% of your income.

For a family with two daycare-age kids, that means earning $402,708 a year. The average family makes $145K. That’s not close.

3 moves to take control:
1️⃣ Dependent care FSA — up to $7,5000/year pre-tax for childcare.
2️⃣ Audit employer benefits — childcare stipends, backup care, and subsidies are often buried.
3️⃣ If planning for kids — budget for childcare now. For most families, it’s as big as rent.

#childcare #costoflivingcrisis #personalfinance #parentingcosts #moneytips #financialplanning

## Stats

- **Views:** 2,621
- **Likes:** 80
- **Shares:** 0
- **Comments:** 6

## Tags

personalfinance, moneytips, costoflivingcrisis, childcare, parentingcosts, financialplanning

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