Your Money: Baby costs, financial hardships and more
Simply conceiving and producing an infant can cost six figures.
Your Money
September 24, 2026

Hi everyone,

In her new book, “Inconceivable: The Impossibility of Family in an Age of Uncertainty,” Anna Louie Sussman, a contributing opinion writer for The New York Times, asks a basic question: Who gets to have children and why?

The answer has a lot to do with money — who has it, how much and what it costs to even buy a child in the first place, which is effectively the way that many people think about it when simply conceiving and producing an infant can cost six figures.

“Our reproductive lives have been disfigured by an economic system gone awry,” she writes.

One finding that opened her eyes wide, she said in an email, was just how many people work the hard numbers over with spreadsheets — and how many deliberately avoid the daunting figures.

“Few people expected those neat grids of numbers to tell them ‘yes’ or ‘no,’” she said. “But when one couple updated their spreadsheet after learning they would need in vitro fertilization, or I.V.F., which can cost $15,000 to $25,000, instead of the cheaper intrauterine insemination procedure, for which they had budgeted $1,216.40, the math went from daunting to simply unfeasible.”

“And as one woman who became a solo mom by choice told me, she’s grateful she went ahead without bothering to itemize her costs. The numbers, she said, just ‘don’t add up.’”

Below, you’ll find a selection of New York Times money articles from the past seven days. Have a good week.

How the Fed’s Rate Increase Affects Your Finances

The Federal Reserve increased its key rate by a quarter of a percentage point, but mortgages and other consumer loans have already trended higher.

By Tara Siegel Bernard

An illustration depicts a woman dressed in a work suit. She’s in a desert looking around, carrying a cardboard box with a small cactus, a notebook and her ID badge.

retiring

Laid Off After 50, and No Health Insurance? Here’s What to Consider.

At best, older workers will struggle to find health insurance that bridges the years before they qualify for Medicare at age 65.

By Brian J. O’Connor

The Quiet Way A.I. Is Hitting the Work Force

Lower wage growth and slower hiring in some sectors may be the result of artificial intelligence, especially for younger workers.

By Talmon Joseph Smith

Clint Harris stands in a kitchen with his arms folded in front of him.

The Working Class Face a ‘Class Ceiling’ in Elite Occupations

Being female or a person of color has long been seen as a disadvantage in hiring and promotion. A new study of college professors shows that class may loom as large.

By Noam Scheiber

An illustration that evokes the $1 bill, with George Washington at the center, his hands partially blocking his eyes. Fighter planes fly nearby.

Strategies

What Set Off the Rise in Interest Rates? Mainly, the Iran War.

The Federal Reserve is trying to catch up with the leap in bond rates as the Middle East conflict unnerves world markets.

By Jeff Sommer

An aerial view of houses side by side with snow on the ground.

Iran War Will Make Winter More Expensive for Some Americans

The cost of heating oil, which is similar to diesel and used extensively in Northeastern states, has climbed sharply because of the war in Iran.

By Aruni Soni

An illustration shows a green and black smartphone screen. It has a vortex in the center of the screen, drawing the figure of a person in.

times investigation

How DraftKings Uses A.I. to Target the Gamblers Likeliest to Lose

Data science helps determine who receives betting incentives, but the company has resisted using similar technology to protect gamblers at risk of addiction.

By Alex Klavens, Walt Bogdanich and Jenny Vrentas

An illustration shows a man wearing glasses and a pink baseball cap sitting next to a pink robot that is pointing to a spot on a map laid out before them on desk. The robot has several speech balloons above its head, and the man is looking toward the robot with a pen in his hand. There are buildings, bridges and a jet in the background.

Planning a Trip With A.I.? Here’s How to Do It Better.

Generic questions get generic answers, experts say, so to avoid mediocre recommendations, you’ll need to write smarter prompts. Follow these tips.

By Seth Kugel

How are we doing?
We’d love your feedback on this newsletter. Please email thoughts and suggestions to yourmoney_newsletter@nytimes.com.

Like this email?
Forward it to your friends, and let them know they can sign up Your Money.

If you received this newsletter from someone else, subscribe here.

Need help? Review our newsletter help page or contact us for assistance.

You received this email because you signed up for Your Money from The New York Times.

To stop receiving Your Money, unsubscribe. To opt out of other promotional emails from The Times, including those regarding The Athletic, manage your email settings.

Subscribe to The Times

Connect with us on:

facebookxinstagramwhatsapp

Change Your EmailPrivacy PolicyContact UsCalifornia Notices

The New York Times Company. 620 Eighth Avenue New York, NY 10018