2. Loss of income: Some women may have to take time off work during pregnancy due to medical conditions or complications, or to care for a newborn after giving birth. This can result in a loss of income, making it difficult to cover everyday expenses. 3. Baby-related expenses: Once the baby arrives, there are a whole host of new expenses to consider, including diapers, formula or breastfeeding supplies, clothing, and childcare. These expenses can add up quickly and put a strain on finances.