

From our experience in the US, the birth is nothing compared to the financial drain of the other expenses. And at this age, childcare dwarfs all the other child-related expenses.
We have great insurance and don’t rely on family for childcare though, so the math is very very different for someone with “free” familial childcare and no/lousy insurance…
Whatever you decide for your laptop, I’m a proponent of a barebones off-site setup if you’re trying for 3-2-1 backup or similar.
I use a raspberry pi 3 with a single HD (ZFS) retaining some number of daily/weekly/monthly snapshots. Daily rsync, everything over WireGuard+VPS (TailScale would work too).