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Becoming a parent

Parenthood is a big change. Use our tools to help make sure you're financially prepared.

Preparing to have or adopt a child

It's time to look at your family needs and decide if you should make changes.

Figure out your budget.

  • Set goals and figure out how to meet them with a financial plan.
  • Growing kids can affect your spending habits. Stay flexible where possible.
Explore finance resources

Look at your car situation.

  • Decide if you need to buy or trade in a vehicle to fit a growing family.
  • If you need a new car, you can estimate your payment with our auto loan calculator.
Know how much car you can afford

Think about housing.

  • Determine if a bigger family may mean a bigger home. If it does, we have resources to help support your move.
  • Whether buying or renting, consider upfront and long-term costs as well as what’s best for your family’s wellbeing.
Explore home resources

Review your health coverage.

  • Make a list of your family’s needs to help decide what kind of health care plans can work for you.
  • Before you make a switch, get information about shopping for health insurance.
Learn about health insurance

Consider life insurance.

  • Determine if you need to update beneficiaries on employer-provided polices and retirement plans.
  • With another person relying on your income, it's important to have life insurance in case anything happens to you.
Learn about life insurance

Compare childcare options.

  • Consider the pros and cons of each type of childcare to decide which one fits best for your family.
  • By stopping to review the options, you can help put time and money back in your pocket.
Read about childcare options

Update your member profile.

Add your loved ones to get the most relevant guidance. For help, call us at 800-531-8722 (USAA). Or chat online.

Update my profile

Support for military spouses

Parenting when you're a military spouse comes with a unique set of challenges. Fortunately, there’s help.

Find military spouse resources

Planning for the future

It's never too early to start.

Save for Education

Take advantage of tax benefits with a 529 education savings plan.

Learn about a 529 plan

Youth Banking

Help your kids build credit and good financial practices while they're young to help them succeed as adults.

Learn about youth banking

Children's Life Insurance

Get coverage for your child that will grow with them, even if their health changes.

Learn about life insurance for kids

Don’t forget about estate planning.

What if something happens to you? You'll want to have a will and other legal documents ready that establish guardianship for your children. Determine where any assets will go to help care for them.

Learn about estate planning

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More resources for families

  • Divorce
  • Loss of a Loved One
  • Marriage
  • Moving

  • Auto Insurance
  • Homeowners Insurance
  • Life Insurance
  • Renters Insurance
  • Umbrella Insurance

  • Contractor Connection
  • Home Chef
  • Online Shopping Deals
  • PODS® Moving and Storage

Related footnotes:

  1. Investment and Insurance Products are:

    • Not Insured by the FDIC or Any Federal Government Agency
    • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank
    • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

Related footnotes:

  1. Bank products offered by USAA Federal Savings Bank, Member FDIC. Credit card, mortgage and other lending products not FDIC-insured.

  2. USAA believes the websites and resources used to gather this information are reliable; however, we cannot guarantee the accuracy or timeliness of the information. 

  3. USAA means United Services Automobile Association and its affiliates.

  4. Learn about USAA's use of Artificial Intelligence.

    Life insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products.

  5. Health Insurance Solutions provided through USAA Life General Agency (LGA) known in CA and NY as USAA Health and Life Insurance Agency, working with select insurance companies to provide products to our members. LGA receives compensation from these companies, based on the total quantity and quality of insurance coverage purchased. Plans are not available in all states. Coverage is underwritten by the respective insurance company. Each company has sole financial responsibility for its products.

  6. USAA Investment Services Company (ISCO), a registered broker-dealer, provides referral and marketing services on behalf of Victory Capital Services, Inc. (VCS), a registered broker-dealer.

  7. No Department of Defense or government agency endorsement.

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