Maternity planning should extend beyond delivery costs to encompass ongoing financial management. Many women anticipate a brief maternity leave but may find themselves needing more time due to various challenges such as recovery and childcare. Financial planners recommend preparing for a longer break than expected. Couples should simulate living on their adjusted income to identify potential budget adjustments. Small, recurring baby expenses like vaccinations and diapers can accumulate, often unnoticed, impacting finances. Having emergency savings can significantly ease stress during this transition. Additionally, reviewing health insurance policies and benefits early can prevent surprises. While some women may feel guilty about pausing investments, maintaining even small contributions can foster a sense of financial continuity. Ultimately, realistic budgeting and savings can help manage the emotional and practical challenges of maternity leave.