By CAREN P. WILLIAMS, CPM® Financial Advisor and Senior Vice President, Morgan Stanley We have probably all heard the phrase, “A baby changes everything.”  As a mother of two, I can attest it certainly changed life for my husband and me.  Life with a baby is both exhilarating and exhausting at the same time.  Who knew we could all function on such little sleep, right?! Having a baby really does affect every aspect of a parent’s life, including one’s finances.  If you are currently preparing for the arrival of a little one, now is also a good time to think about the financial aspects of your growing family too.  Essentially, it is a matter of adjusting one’s budget to make sure