NYC is one of the most expensive places to give birth. A vaginal delivery it can cost anywhere from $1000 - $30,000, and a c-section can cost anywhere between $1,900 to $ 42,564. It depends on the insurance, the borough you're giving birth in, and how complicated your birth gets. Planning can help. Try to prepare for the obvious things that would cost you money except for giving birth, and think of unexpected situations where you'll have to spend your money. It can give you a broader understanding of how much you need to save.