Australian Associated Press interviews Michelle Tate-Lovery 2/7/2014.
Kids don't come with receipts.
There's no refunds on the million-or-so dollars you invest in their wellbeing and future.
So, it's vital to plan carefully and invest wisely.
Michelle Tate-Lovery is a financial lifestyle adviser at Unified Financial Services.
She builds what she calls lifelong cashflow modelling or family grids for clients, mapping out the fluctuations in income and expenses that one, two, three or more children bring to the situation.