I definitely know about how expensive a childbirth can get, Fatcat. In 1992, my wife had to have an emergency c section because my daughter had turned sideways during labor and couldn't be born naturally. Everything went well with the section and my wife and my daughter were out of the hospital 1 day after the section and still my hospital bill came close to $10,000 and no insurance and no job either.

But we weathered that ok. Be sure to take care of the family first, folding is way down on the priority list compared to the family.
Congrats to all of you soon to be Dad's; those children are a real blessing.