I want to have this conversation with DW. I know we want kids but they need to be born in December, preferable at the end of the month.
The money we save by combining birthday and Xmas can put put towards SB too.
Win/ Win.
My DD#2 was born on Dec 14. Sorry to break it to you but this does not save you any money. Go for January or February so they are the older player on their team.