Planning for a big family cost is easier when you protect your emergency...

https://www.toddleabout.co.uk/parenting/planning-for-big-family-costs-without-losing-your-financial-buffer/

Planning for a big family cost is easier when you protect your emergency buffer. This UK-focused guide explains how separate savings pots keep goals clear, and how to stress-test your budget with an awkward month before you commit.