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New year reality check: large families face $32K annual shortfall on basic child-rearing costs

Median married-couple incomes fall short by $32,000 annually for basic costs of raising five children in 50 major U.S. metros, with only top 1% earners affording comfortably.

As families prepare their 2026 financial plans, a recent analysis from InvestorsObserver reveals that raising five children has become unaffordable for the average American household. Across 50 major metro areas, families with five children fall $32,000 short annually when basic child-rearing costs are compared to median married-couple income. The research shows that large families now require near-elite earnings to sustain. In Chicago, raising …

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The Advocate-Messenger broke the news in on Sunday, January 4, 2026.
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