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@aletheiapraise You could very well be fine, especially if the childcare arrangement with your MIL works out. My recommendation was just to squirrel away as much as possible while you have free childcare, to give yourself a cushion in case you need to start paying for it. And remember that...

@aletheiapraise In terms of childcare, it would be fantastic if it works out for your MIL to watch your little one. However, many of those arrangements don’t work out long term (because watching children is EXHAUSTING for anyone, let alone a grandparent. Or grandparents have different parenting...