In my Midwestern area, infant care is ~$2000/month or more at a center and you get down to ~$1200 a month if you're at the right kind of center by age 4. So there are still some thousands to contribute to childcare even with $16k "off" and then that doesn't count diapers or clothes or formula (breastfeeding is great but you can't do it forever, some can't do it at all, and it is very hard to do on a practical level if you've got an hourly/service job).