What was the biggest "hidden" cost of raising a child in Singapore that no one warned you about during the planning stage?

I didn't really plan all that much. I just adjust my budget along the way.

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It’s a lot like driving a car at night: the headlights only light up 50 meters in front of you, but you just keep driving anyway.

Things like taking leave, rushing for childcare pickups, enrichment here and there, and the mental load of planning everything really add up more than you expect.