My wife and I just had our first child 8 weeks ago. We could afford the 1300 dollar setup fee and the few hundred a year without causing any real issues within our budget. So that made it a pretty easy decision. Who knows what they'll be doing 20 years from now with stem cells...so it's just a CYA policy for our daughter.
Anyway...like I said, it's pretty easy. If you can afford it do it...it's for your kid. If you can't afford it then no worries. Maybe in 20 years stem cells are worthless. If you've got the money your child is worth the gamble. If you don't have the money...you don't have the money.
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My wife and I just had our first child 8 weeks ago. We could afford the 1300 dollar setup fee and the few hundred a year without causing any real issues within our budget. So that made it a pretty easy decision. Who knows what they'll be doing 20 years from now with stem cells...so it's just a CYA policy for our daughter. Anyway...like I said, it's pretty easy. If you can afford it do it...it's for your kid. If you can't afford it then no worries. Maybe in 20 years stem cells are worthless. If you've got the money your child is worth the gamble. If you don't have the money...you don't have the money.