In this Aug. 7, 2018 photo, a doctor performs an ultrasound scan on a pregnant woman at a hospital in Chicago. The arrival of a new baby is all-consuming. You barely know what day it is, and mustering the energy and attention span for managing your financial household can be a tall order. Do your future, sleep-deprived self a favor and start preparing your finances early into your pregnancy. (AP Photo/Teresa Crawford, File)