The Hidden Cost of Having Kids When You’re Trying to Buy a Home

Content

Having kids changes more than just your monthly expenses. In this episode, Kristina O’Connor, Chris Behie, and Robin Dasilva break down how children affect your cash flow, risk tolerance, and overall home-buying strategy. They talk through the real impact of childcare, camps, lifestyle changes, school-zone decisions, and why mortgage approval numbers don’t always reflect what feels comfortable in real life. If you’re planning to grow your family while buying, upgrading, or carrying a home, this episode will help you think more clearly and plan with margin.

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0:00 Intro
1:46 How kids change your financial mindset
3:48 Baby costs and monthly expenses add up
8:53 Childcare costs and why they matter
11:12 Why mortgage approval doesn’t tell the full story
16:22 How that affects when and what you buy
18:21 Starter home vs. buying bigger now
19:28 School zones, neighbourhoods, and long-term planning
26:24 Practical budget example for growing families
29:12 Outro/recap

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In 2011, Ariel Kormendy and Adrian Trott formed The Kormendy Trott Team, now often referred to as KT (thanks to our logo!). The foundation of KT is built on providing unmatched value and attention to detail in everything we do. From our ever-expanding, comprehensive list of exclusive services to our expertly trained team, you will receive the highest level of care throughout your entire real estate journey.

Originally a team of two in Milton, Ontario, the KT Team has grown into a large team of exceptional REALTORS®, a client-care department, and now includes KT Media, KT Commercial, and our sister company, Renti, allowing us to provide our clients with a complete lineup of genuine, professional, and proven services across Halton Region, Peel Region and the surrounding Regions within the Greater Toronto Area.

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COMMENTS

HOSTS

Chris Behie

After buying and selling several homes with The KT Team, Chris knew he had to be part of it. A top performer at Toyota Canada for years, he shifted gears to real estate and hasn’t looked back. Known for his sharp communication, negotiation skills, and down-to-earth approach, Chris helps clients navigate the buying and selling process with confidence—especially families juggling busy home lives like his own. When he’s not closing deals, you’ll find him in Milton chasing adventures (and his two boys).

Steve Bruman

Steve Bruman is a Milton real estate agent known for his standout service, quirky humour, and endless patience—especially with first-time buyers and seniors. ASA-certified and a proud empty-nester, Steve brings energy, experience, and a personal touch to every real estate journey.

Robin Dasilva

Robin Dasilva is a trusted REALTOR® serving Milton and the surrounding area. Known for clear communication and steady guidance, she helps clients navigate every stage of the buying and selling process with confidence. Through her writing, Robin also shares practical insights and real-world experience to help homeowners make informed real estate decisions.
Chris Behie

Chris Behie

After buying and selling several homes with The KT Team, Chris knew he had to be part of it. A top performer at Toyota Canada for years, he shifted gears to real estate and hasn’t looked back. Known for his sharp communication, negotiation skills, and down-to-earth approach, Chris helps clients navigate the buying and selling process with confidence—especially families juggling busy home lives like his own. When he’s not closing deals, you’ll find him in Milton chasing adventures (and his two boys).

Email: [email protected]

Phone: 905-483-4929

Kristina O’Connor

Kristina O’Connor

Born in Toronto and raised in Mississauga, Kristina built a 17-year career in food industry research and development before following her passion for real estate, home design, and creating functional spaces. Now living in Fergus with her husband, two kids, and pets, Kristina brings a thoughtful, client-focused approach to helping families find homes that truly fit their lives.

Email: [email protected]

Phone: 416-721-7283

Robin Dasilva

Robin Dasilva

Robin Dasilva is a trusted REALTOR® serving Milton and the surrounding area. Known for clear communication and steady guidance, she helps clients navigate every stage of the buying and selling process with confidence. Through her writing, Robin also shares practical insights and real-world experience to help homeowners make informed real estate decisions.

Email: [email protected]

Phone: 905-699-3106

GUESTS

No guests assigned to this podcast.

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    KT Realty
    229–336 Bronte Street South
    Milton, ON L9T 7W6
    [email protected]
    1 (800) 617-0090