We’re Pregnant!… Adding a Fourth to the Adventure…

in Do What You Love, MvD Updates

Today, I’m excited to announce the biggest news in Man Vs. Debt history…

We’re expecting our second child in early November!

We’ve known for a little while now, but with our lifestyle on the road – we wanted to make sure we were able to see a midwife/physician and double confirm everything is moving along healthy. So far, so good!

We’ve been sharing the news with people at the last few meetups (Courtney is showing much earlier this time around!) – and I wanted to take some time to answer some of the common questions that have been coming up. :-)

Did you plan this?

Yes. Though it happened quickly!

What does this mean for life on the road?

We aren’t 100% sure. For now, we plan to continue everything at the very least into early August. We have a very full schedule still – and as long as Courtney’s health and energy allows it, we’ll likely keep going.

How does Courtney feel in the RV?

Overall, she’s feeling great. She’s much more tired on average than she remembers feeling the first time – and is showing more quickly than the first. I know little about pregnancy, but Courtney claims these are actually common for women their second time around! :-)

Where will you have the baby?

We’re about 80% sure we’ll have the baby back in Indianapolis. We still have many family and friends there – and until we know that everyone is happy and healthy after the birth – we’ll likely spend that time with our support network. We are also considering home birth, which will be easier for us in our home town. As a bonus, this will also put us back for Thanksgiving and Christmas.

What will you do with the RV? Will you live in it after the baby is born?

We don’t know. We have no plans to get rid of the RV, nor are we convinced that we will stop traveling and settle down. We may do just that, we may continue traveling. We may live in the RV for another year. In short, we are keeping our options open – but won’t make any big decision until the first of the year, after the birth.

Is it a boy or a girl?

As of now, we don’t plan on finding this out ahead of time. We’ll wait for the surprise.

Is Milligan excited?

She seems to understand the situation and is very excited. She’s taken a much bigger interest in babies now – and when people talk about them around her – she is very forthcoming with the fact that “Mommy has a baby in her tummy, TOO!”

Does this change your financial plans or goals?

It doesn’t really affect us drastically. The pregnancy will likely cost at least $4,000-$5,000 out-of-pocket. This is because we have high-deductible insurance (we knew this going into it).

Our primary goals of investing in our business and finishing our student loans will remain the same. We don’t anticipate a huge lifestyle switch (financially at least – mentally this is going to be an adventure!).

If anything, this makes me even more serious about getting the business to the point where I can take most of November and December off. I’d like to work maybe 5-10 hours per week during these months this year – and with some planning and savings this should be very possible.


Thanks again for all your support. I say it often, but I mean it – I’m blessed to have a community to share events like this with openly!


-Baker, Courtney, Milli, and ProjectX

{ 88 comments… read them below or add one }

James Clear May 16, 2011 at 12:20 PM

Baker — So much congrats to you, Courtney, and Milli! The MvD is just getting stronger! :)


Patricia GW May 16, 2011 at 12:26 PM



mama marchand May 16, 2011 at 12:28 PM

So exciting! CONGRATULATIONS! :)


Courtney Carver | Be More With Less May 16, 2011 at 12:29 PM

Yippee Yoo! Congrats Baker family.


Justin Hamlin May 16, 2011 at 12:30 PM

Congrats guys, that is amazing news! So happy for you, Courtney and Milligan!


Jennifer L. May 16, 2011 at 12:36 PM

Money saving idea (not just for Courtey): Use a midwife. Better care, and as long as things are going well you don’t get a doctor involved. I had the first child at a free standing childbirthing center and the second one with a midwife in a hosp. setting. We had insurance that would pay for 100% with a doctor; I just wanted to use a midwife, and it happens to be cheaper (at least here).


Sean May 16, 2011 at 12:36 PM

So happy for you and the rest of the family! Looking forward to catching up here in a couple weeks.


Jenna, Adaptu Community Manager May 16, 2011 at 12:40 PM

Congrats on ProjectX! Can’t wait to celebrate when Team Baker gets to PDX!


Elle Dougherty May 16, 2011 at 12:42 PM

How exciting! 😀 Congratulations! Can’t wait to hear more…


Adam May 16, 2011 at 12:43 PM

Congratulations! When you said ‘big news’ I thought it would be another online project but Project X is even better :)


Maria Brilaki May 16, 2011 at 12:45 PM

Congratulations! This is so happy news! I wish you a great pregnancy and a super-healthy baby!


Janet May 16, 2011 at 12:46 PM

Wow! Congratuations! You are an inspiration to us adventure-seekers who eventually want babies. . . :X


Benny May 16, 2011 at 12:49 PM

Congrats!! Exciting news for sure.


Peter May 16, 2011 at 12:55 PM

Congrats on adding another little one to the manvs. family!


Kates May 16, 2011 at 12:55 PM

Congrats Adam, Courtney, and Milli!!



LobotoME May 16, 2011 at 1:03 PM

Congratulations Baker family! xo, jenny


James Schipper May 16, 2011 at 1:06 PM

I knew it! You dropped one of your hints a few weeks ago when you said wouldn’t ever again work on any of your kid’s birthdays. 😀 Congratulations to you all!


Elle May 16, 2011 at 1:08 PM

Congrats on the great news Baker! This seems to be the year to have babies in the personal finance niche :) I hope you have an enjoyable pregnancy as you continue on your RV travels.


David May 16, 2011 at 1:12 PM

Congrats, guys…soo exciting!


Jenny @ exconsumer May 16, 2011 at 1:13 PM

Congratulations to all of you! How very exciting. :)


Adam Martin May 16, 2011 at 1:31 PM

That is great news :) We are expecting our 3rd in late September.


Kelly May 16, 2011 at 1:39 PM

Congratulations to the whole family! Make sure Courtney gets some extra pampering and rest-keeping up with a little one AND growing a baby is hard work!

While a homebirth wasn’t an option for us we loved our midwives and our local birth center. It’s definitely more affordable if you pay out of pocket, and assuming everything goes smoothly is a much nicer entry into the world. :)


Jason @ FrugalDad.com May 16, 2011 at 1:40 PM

It’s true what they say: one is one and two are four, but wouldn’t trade them for anything! Congratulations on another blessing!


Nancy L. May 16, 2011 at 1:52 PM

Congratulations!!! :)


Suzanne May 16, 2011 at 2:12 PM

Congratulations Baker family!! That is wonderful news!


Rowan May 16, 2011 at 2:14 PM

Congrats! I’m excited to see you guys writing about the lessons learned from dealing with pregnancy and family expansion while living with sane finances


Babybluewater May 16, 2011 at 2:18 PM

Congratulations! Keep us posted on how it’s all going :)


Kevin M May 16, 2011 at 2:27 PM

Congrats Bakers. Having a foursome is quite the adventure – which is right up your alley!. It is amazing to watch the little ones interact. Hope everything goes smoothly.


Joan May 16, 2011 at 2:32 PM

YAY BAKERS!!! :) So happy for you guys. I know that wherever you go and whatever you do, you’ll be together as a family, which means the rest is just details.


Sustainable PF May 16, 2011 at 2:34 PM

Congratz you two! Mrs. SPF and I are expecting lil’ SPF #1 in October. Soooo excited.


Jennie May 16, 2011 at 2:47 PM

YAY!! Congrats!! Enjoy and savor the moments! A little scorpio! Yay!


Ashley @ Money Talks May 16, 2011 at 2:48 PM

Yay!! How exciting. Congrats!!


Jennie May 16, 2011 at 2:52 PM

YAY!! Congrats!! Enjoy and savor the moments! A lil scorpio! YAY!!!


Matt Jabs May 16, 2011 at 3:03 PM

I’m happy for all of you Baker, keep on rollin’ brother.


Krista May 16, 2011 at 3:04 PM

Hooray! Hooray! So excited for you guys. :-)


Jay May 16, 2011 at 3:05 PM

HUGE news!! Congrats to the whole family. This even made my day – and I cannot imagine how excited you all are. See you at WDS!


Karen May 16, 2011 at 3:06 PM

What wonderful news. I pray that all will go well for this pregnancy and that your family stays healthy and well.


mike May 16, 2011 at 3:08 PM

congrats! we are due july 11th


Brigitte May 16, 2011 at 3:11 PM



scott May 16, 2011 at 3:16 PM

Outstanding!! I wish you and your baby a very happy, healthy and fulfilling life! All the very best to you!


Kelsey Timmerman May 16, 2011 at 3:19 PM


We’re expecting our 2nd any day now. For our first we had low-deductible insurance. Now we have a high-deductible, not that it matters because we don’t have the maternity rider. Yes, that means we are paying cash for baby #2. Crazy, huh?

Given that a delivery can run between $10-15K we knew we had to get creative. I called up the area hospitals (I live in Muncie) and asked them what kind of deal they could give us. I can’t believe this is the state of our lives or insurance, but there you go. As it turns out Community hospital in Anderson is cutting us an awesome deal. Our 2nd insurance-less delivery will likely be cheaper than our first!

Like anything else, call around and see where you can get a good deal. It turns out that hospitals kind of like delivering babies. It’s one of the few happy things that go down there.


Danny @ Firepole Marketing May 16, 2011 at 3:22 PM

That’s great news, Baker – congratulations!


marianney May 16, 2011 at 3:23 PM

congrats guys! this seems to have been a very fertile spring as i know of many babies due this nov/dec! :)


Jan May 16, 2011 at 3:25 PM

I am delighted for you!


Dr. Laura @ WhoIsLaura.com May 16, 2011 at 3:41 PM

Congratulations Adam and Courtney!!! SO excited for you both and for Milli too :)

Having two children myself, I can definitely tell you that traveling when the babies were small is VERY doable and since you have extensive experience in this area, I’m sure you’ll do just fine. Would still love to see you if you make it up to New England area (although my original idea of having you here to see fall colors in early October may be cutting it a bit close to the due date!).

Dr. Laura


Homo Sapine May 16, 2011 at 4:02 PM
Kaye May 16, 2011 at 4:10 PM

Huge congratulations!


Shae Bynes May 16, 2011 at 4:24 PM

Very exciting news! Congratulations to all of you :-)


Hunter May 16, 2011 at 4:39 PM



Michele May 16, 2011 at 4:46 PM

Congratulations!!! What wonderful, awesome news!! So happy for all of you!! :)


ELLETA May 16, 2011 at 5:07 PM

So happy for your family.


Jaime May 16, 2011 at 5:14 PM

Congrats that is awesome!!!


Serena Star Leonard May 16, 2011 at 6:11 PM

Congratulations, that is great news!!! What an exciting time!


Jack Bennett May 16, 2011 at 6:32 PM

Mazel tov!!


Jolyn @Budgets are the New Black May 16, 2011 at 6:34 PM

Congratulations you two!


Cate @ Liberal Simplicity May 16, 2011 at 6:36 PM

Congratulations! You have a lovely family.


Matthew Peters May 16, 2011 at 7:11 PM

Two kids are great! You’ll definitely have your hands full for a few months after the new arrival.

Home birth is great, we have friends that did that. Fiona went without any pain meds for both births and we are for all natural child birth. We had a doula in and she was fantastic. We highly recommend the natural route whenever possible.

Congratulations Courtney & Baker!



Alex Humphrey May 16, 2011 at 8:17 PM

CONGRATULATIONS!!!!!!!!!!!!! One of the few times all caps is appropriate, lol!

I am so happy for all of you! My prayers and hopes are with you as you step out into this new adventure! Having two kids changes everything…I hope ya’ll are ready!


Meredith May 16, 2011 at 8:53 PM

Congrats Team Baker!

I had my second child at home – and it was soooo great…. I’m a huge advocate of home birth – (mommies shouldn’t be forced to be patients… I’ll get off my soap box there :)

Wishing you the best – and offering my two cents if interested…


Abby May 16, 2011 at 9:00 PM

Congratulations. I seem to have a sixth sense about these things, so while I didn’t *know* I kind of had a feeling. Baby number two is a lot like baby number one all over again, you never know what to expect, and things after the baby is born definitely chandelier as the did the first time, in different ways. I’ve heard the third child is where it gets easier, adjustment-wise. But I doubt it will really change your overall lifestyle. Get your daughter very involved, we used babycenter and showed our first drawings of babies in the womb, and she really connected with it. Girls are also a lot more nurturing toward babies than boys, so you have practically got it made! We’ve travelled a little with a baby, our son was 7 months old when he took his first cross-country flight and 15 months when we visited my inlaws in Egypt the first time. He did really well, and since you’re already expert travellers with one, two won’t be that big of a stretch. :)


Dee May 16, 2011 at 9:08 PM

Congratulations! And here’s wishing Courtney a good pregnancy and birth. I hope you guys come up with as good as Milligan again this time ’round. Milligan is one of the best names I’ve ever heard — so unique and gender neutral, yet so classic and feminine when shortened to Millie.


Carla May 16, 2011 at 9:34 PM



Jenelle May 16, 2011 at 10:12 PM



Cassi&Erica @ Nonstop World Travel May 16, 2011 at 11:15 PM

Congrats!! That is such exciting news! We can’t wait to meet you all on Wednesday in SF!


Momma Jorje May 16, 2011 at 11:58 PM

Congrats! We had been trying since November, but finally conceived last month. Courtney is right on about second (and subsequent) births. Will you plan out and see different midwives on the road? We also plan to travel with babies, but have had another possible setback.


Sean May 17, 2011 at 3:02 AM

Whoooohooooooo!!!!! Congrats to you guys! I wish there were more parents in the world like you! Your family is fortunate to have you and Courtney at the helm.


Buck16 May 17, 2011 at 7:40 AM

Congrats Baker and Courtney!

We also had a home birth for our second daughter (on Dec. 21, in snow-ridden Ontario, Canada) and it was the most amazing experience – I would highly recommend it.

Here’s the feelings I experienced that day (because how could I pretend to know what my wife was going through?):


Good luck to you both!


Heather Dakota May 17, 2011 at 8:40 AM

What fantastic news!! Congratulations Baker family!!!


radman May 17, 2011 at 9:20 AM



Katybee May 17, 2011 at 11:12 AM

Congratulations to the whole family! Another Scorpio joining our ranks, yeah!


Suzanne Coblentz May 17, 2011 at 11:52 AM

Congratulations!!!!!!!!!!!!!!!!!!!! Could not be more excited for you and your family!


Jeffrey Mitchell May 17, 2011 at 11:55 AM

Baker, Congrats to you and your family!


Nathalie May 17, 2011 at 12:55 PM

Big big congrats to you and your family! That’s marvelous news xxx


Emily May 17, 2011 at 1:01 PM

Congrats! I’m so glad Courtney is feeling well.


Denise @ The Single Saver May 17, 2011 at 4:53 PM

I knew it! Congrats! This is indeed exciting news!


Rob May 17, 2011 at 6:32 PM

Congrats! Our first is due in August. I’m looking forward to becoming a dad! Any words of wisdom?


Sheila May 17, 2011 at 6:47 PM

Congratulations! Both my children were home births (they’re now 32 and 27) so I heartily recommend home birth. Hospitals have come a long way, thankfully, from when I had kids, but nothing can beat the comfort of your own home.


Sibyl May 17, 2011 at 9:51 PM

That’s great news. Congrats to all 3 of you… And then there were 4 :)


Carolyn Johnson May 18, 2011 at 9:37 AM

Congrats to your family! What exciting news. I normally would not comment but wanted to share my experience with you. My husband and I moved into our fifth wheel when my daughter was six months. Little did we know I had just gotten pregnant with our son! I loved this time together and really didn’t mind pregnancy on the road at all. My husband traveled for his job at the time. We came home for a little while just to have the baby and were back to traveling two weeks after he was born. Good luck to you all!


Jonathan Welford May 18, 2011 at 2:30 PM



Stephen Murphey May 18, 2011 at 6:58 PM

Congratulations, I’m glad that everyone is doing well!


Michael Boyter May 18, 2011 at 11:28 PM

Congratulations to you both. Very excited for you guys.


Evan May 19, 2011 at 1:33 PM

Congrats guys fantastic news


Financial Samurai May 19, 2011 at 10:33 PM

Great to meet the family the other day Adam! Milly is very cute and congrats on #2!

Best, Sam


cate stillman May 24, 2011 at 1:02 PM

Courtney –
I have an online course on prenatal postpartum care: called http://www.mamabirthing.com

If you’d like to check it out and review for the blog (preventative self-care saves families big $), contact me!


Jia Jun May 25, 2011 at 1:35 PM

WOW!! Congrat to you both of you Adam~~ 😀


Brittany June 2, 2011 at 12:13 PM

Congratulations on the baby, that’s very exciting!! :)


Kali June 2, 2011 at 12:33 PM

Just found your blog- no credit cards for my family of four (going to be 5 in Nov) either! Love it. We have homebirthed our first two and are planning it for this one as well. It’s AMAZING. I am also a birth doula & birth photographer. Homebirth = the best care and the best place to birth! Blessings on your experiences!


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