When are you financially ready to have a baby?

You are financially ready to have a baby when you have a stable income that can cover your current expenses, along with a budget that accounts for the additional costs of childcare, healthcare, and essentials for the baby. It's also important to have an emergency fund with at least three to six months' worth of living expenses. Additionally, consider reducing or eliminating debt to ensure you can manage new financial responsibilities. Planning for maternity or paternity leave and understanding your benefits can further solidify your readiness.