Stat: $233,610. The cost of raising a child through age 17 for a middle-class American family, not including a college education. Story: From diapers to day care and beyond, it’s getting more expensive to raise a family in the U.S. And just keeping up with daily costs makes saving for a rainy day or retirement all the harder. We speak with three families about what it takes to make it work—and what keeps them up at night.