Save for a big family cost and keep cash for a crisis. This UK guide says use...

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

Save for a big family cost and keep cash for a crisis. This UK guide says use two pots: one for the bill, one for emergencies. Stress-test your budget with an awkward month