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We can plan all we want when it comes to financial stability, but there is nothing we can do that will guarantee those plans will play out.
Even though you're a contractor and your income may or may not be all that stable, assuming that you already practice good financial planning, I don't think you are going to be any less prepared than someone who is working a "stable" job. Your financial planning is still going to take into account that you'll be better off in certain months, and will be leaner in other months. You and your partner will just need to budget the amount that your kid is going to need, and life just carries on. If things go according to plan, great! If it doesn't, you figure something out.
IMO, the planning and execution parts aren't really all that different whether you have a kid or not. But of course, the mentality and your sense of responsibility might not be the same even though the actual doing part is not different.
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