{"id":57687,"date":"2018-05-30T14:30:00","date_gmt":"2018-05-30T14:30:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/father-figure-the-surprising-costs-of-parenthood\/"},"modified":"2024-01-10T09:24:22","modified_gmt":"2024-01-10T14:24:22","slug":"father-figure-the-surprising-costs-of-parenthood","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/finances-and-relationships\/parenthood\/father-figure-the-surprising-costs-of-parenthood\/","title":{"rendered":"Father Figure$ &#8211; The Surprising Costs of Parenthood!"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/parenting\/\">\n\t\t\t\t\t\t\t<span>Parenting<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Father Figure$ &#8211; The Surprising Costs of Parenthood!<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Alison Rockwell<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-hidden-costs-of-parenthood_402x-2.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-hidden-costs-of-parenthood_402x-2.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-hidden-costs-of-parenthood_402x-2.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/thumb-hidden-costs-of-parenthood_402x-2.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Father Figure$ &#8211; The Surprising Costs of Parenthood! &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/finances-and-relationships\/parenthood\/father-figure-the-surprising-costs-of-parenthood\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/finances-and-relationships\/parenthood\/father-figure-the-surprising-costs-of-parenthood\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published May 30, 2018 \u2022 5 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>The infant stage is (literally!) just the beginning of a new level of extracurricular and educational expense opportunities that you&#8217;ll encounter. Don&#8217;t despair, the upside to this onslaught of investments you make along the way will inevitably churn out a happy, well-rounded, athletic child (who possibly even has perfect teeth, thanks to the life savings you spent replacing lost retainers !!)<\/p>\n\n\n\n<p>Get ahead of the game with a disciplined savings plan, so you&#8217;re prepare for these six future childhood expenses you may not be expecting.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">She Blinded Me With Science<\/h2>\n\n\n\n<p>For a while all your baby does is stare and blink. Then they start to roll around, pull themselves up, crawl, walk, run, and suddenly with that added mobility, your home can no longer support indoor activities and you need to seek activities outside your home. With our long cold winters, and endless hot summer days, every parent knows the importance of maintaining seasonal sanity. Enter the well-marketed museum\/science centre\/indoor play place\/family gym membership intended to prey on your most frazzled of Saturday-morning-raging-cabin-fever nerves. In terms of sound childhood investments, these annual fees to stimulating social hubs, that allow you to flock with other refuge-seeking parents, may just be a dollar well-spent.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hey Big Spender<\/h3>\n\n\n\n<p>Regardless of how genetically blessed you were as a child, the meshing of your DNA with someone else&#8217;s will result in a myriad of wonderful surprises that are in store for both you (a lefty pitcher!) &#8211; and your local orthodontist, to whom the shelling out of head-shaking amounts of take-home pay will ultimately contribute to her\/his purchase of a vacation home in Tofino (don&#8217;t wait for an invite!) You&#8217;ll be astounded at the cost of manipulating your child&#8217;s teeth into even the barest of socially-acceptable smiles, and be forewarned that even the best medical\/dental plans won&#8217;t cover more than a fraction of their services. So if you don&#8217;t have a great insurance plan, start setting money aside early!!<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">We Don&#8217;t Need No Education<\/h4>\n\n\n\n<p>The irony of mortgaging yourself to a high-threshold pain-point in order to live in a desired neighbourhood with great schools, only to find yourself shelling out the Benjamins (or, for Canadians\u2026.the Borden&#8217;s?) isn&#8217;t lost on anyone who has raised a child in today&#8217;s hyper-competitive educational landscape. You&#8217;ll soon be convinced that your once-bright child appears to have a learning disability (or you&#8217;ve been a neglectful home tutor) as Emily has entered kindergarten not fully understanding Pythagorus&#8217; Theorem. In truth, tutoring isn&#8217;t always about the race to succeed, all kids learn differently and extra help can do wonders in aiding them with small learning hurdles and instilling confidence towards academic success. Just be prepared to pay for it. Weekly. For years and years.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Go, Go Party, It&#8217;s Your Birthday<\/h4>\n\n\n\n<p>Depending on when you were born, birthday party memories may have culminated in a grainy photo showing a backyard celebration in a wading pool with paper hats, or in more modern times, a stressed-out parent corralling a handful of hyper prepubescent boys to the latest Star Wars movie. Times have changed, and in our wonderfully inclusive society it&#8217;s now de regieur to invite <i>everyone<\/i> in class to your child&#8217;s fifth birthday, all thirty kids, lest someone feel left out. We&#8217;re all for group dynamics, but today&#8217;s celebrations have developed into an immense for-profit industry with pricey loot bags, venue rentals, rent-a-princess\/superhero, nut-free-organic-gluten-free-fair-trade-non-GMO-free-trade cakes costing $100 that will barely be touched since you already shelled out another $100 on pizza and guacamole Doritos. Phew. Can we go back to the old days?<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">The Good Old Hockey Game<\/h4>\n\n\n\n<p>Your original intent was simply to introduce your child into a sport you loved, and hope they embraced it as you did, remembering all the positive influences sport had on your life. But, thanks to the impressive eye\/hand coordination, ( that you are of course taking full responsibility for passing along from your genetic code!), your daughter is asked to try out for an elite\/rep\/select\/advanced\/invite-only hockey team while your son&#8217;s swim coach starts comparing him to Michael Phelps. Suddenly, you are not only on the bandwagon \u2013 you&#8217;re driving it. It&#8217;s a funny thing, the link between flattery and finding out you are willing to pay thousands of dollars and hundreds of driving hours to help your moderately talented child chase a higher level of sporting success. If your child is feeling the same fervor \u2013 fantastic, though fair warning, the more elevated the air, the higher the price tag.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">When I Met You In the Summer<\/h4>\n\n\n\n<p>Past generations will (and do!) scoff at the state of kids camps today. While our forefathers were sent out with a tarp and two twigs and told to make shelter and fire and come back alive during their annual summer sleepover excursions, today&#8217;s versions offer wakeboarding, digital coding and extra wi-fi bandwidth, the latter available to be purchased at the camp tuck shop where they have been provided with a $500 credit. Progress comes with a cost and summer camps are no exception. Granted, some of the main benefits remain; learning how to be away from home, bonding with strangers, and if you&#8217;re lucky will also involve a screen-free canoe trip forcing kids to &#8216;rough it&#8217;. You&#8217;ll pay for it all regardless of the camp curriculum or how much they are coddled.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Father Figure$ \u2013 The Surprising Cost of Parenthood!\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/12oJ5tNsWqY?feature=oembed&#038;rel=0\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<div class=\"wp-block-columns has-border-color has-rbc-bright-blue-tint-1-border-color has-white-color has-rbc-bright-blue-tint-1-background-color has-text-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"border-width:1px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-white-color has-text-color\"><a href=\"https:\/\/discover.rbcroyalbank.com\/moving-buy-sell-first\/?utm_source=Discover-Learn&amp;utm_medium=referral&amp;utm_campaign=dl-162277\">Thinking about a larger home for your expanding family?<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-c2c35c36-d267-4ae5-9463-93e3b838bb57\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Father Figure$ &#8211; The Surprising Costs of Parenthood! &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/finances-and-relationships\/parenthood\/father-figure-the-surprising-costs-of-parenthood\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/finances-and-relationships\/parenthood\/father-figure-the-surprising-costs-of-parenthood\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-e7ae2adf-3ca4-4753-8223-eb9b6b05afa1\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/parenting\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Parenting<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/personal-finance\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Personal Finance<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div 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mar-t-0\">Sandwich Generation Financial Planning in Canada: A Complete Guide<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/02\/shutterstock_2465993239_FinancialLiteracyforKids.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Mother and daughter talking about money with the daughter putting coins into a piggybank\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/02\/shutterstock_2465993239_FinancialLiteracyforKids.jpg 6000w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/02\/shutterstock_2465993239_FinancialLiteracyforKids.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/02\/shutterstock_2465993239_FinancialLiteracyforKids.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/02\/shutterstock_2465993239_FinancialLiteracyforKids.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/02\/shutterstock_2465993239_FinancialLiteracyforKids.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/02\/shutterstock_2465993239_FinancialLiteracyforKids.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" 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Are you prepared?<\/p>\n","protected":false},"author":107,"featured_media":66292,"parent":57303,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[38,77],"rbc_content_type":[31],"rbc_audience":[39],"rbc_lob_group":[35],"rbc_difficulty_level":[33],"rbc_mmm_category":[302,315,314,328,356,306],"class_list":["post-57687","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-parenting","tag-personal-finance","rbc_content_type-article","rbc_audience-parents","rbc_lob_group-business","rbc_difficulty_level-beginner","rbc_mmm_category-debt-stress-relief","rbc_mmm_category-finances-and-relationships","rbc_mmm_category-life-events","rbc_mmm_category-managing-expenses","rbc_mmm_category-parenthood","rbc_mmm_category-struggling-to-make-ends-meet"],"acf":{"contently_publication_id":"162277","custom_author":"Alison 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