Housing and Education are probably the biggest costs. Maybe healthcare too.
Even having a baby is very expensive in the USA, in terms of costs for the delivery, and the very very short maternity leave available to the majority of women. By contrast we had almost a year of paid leave, and paid something like €250 for a birth - which was mostly based around the cost of the room we had for a week after the delivery.
Got shipped because IMO this is just a bit too much money to spend.