When you have children, some "helpful" person sends you one of those articles that says that it costs 28 million dollars to raise a child, from prenatal care through medical school tuition, or some such. Whatever ridiculous figure they claim, and whatever it actually costs, this ignores the key fact that you don't have to front the money at once. The doctor/midwife doesn't hold onto the kid and say "give us all the money now or we send it back." It gets paid in dribs and drabs (and sometimes flood waters) but not up front.
Still certain amounts come with some sticker shock. This is where I get all curmundgeonly and harrumph that in my day, we bought a cheap pair of skates and went out on the river/dad flooded the backyard. Uh, yeah, right. In fact, they will be practicing at the municipal arena, and since likely people will also be practicing hockey on part of it, they need helmets with face shields and other accoutrements. So, a fair wack of money at once, although the skates and helmet are adjustable so she'll be able to use them for many years.
Anyhow, it starts. Will try to keep from having them too over-programmed (some kids do a different after school activity every day), but that is more because I think that is a stupid thing to do to a kid than because of cost (although that is a consideration also). Regardless, there are things they should learn that we can't teach them, and some of that comes with a cost. How many million did you say?