do you think you do not have to spend money living with your 99? if you don't pay, you will feel like owing something to her. if you pay, you can't save much. if you have a baby, you really need your own flat.
how much money do you think you need for a baby? it can be very cheap. you better think of how to raise the baby. taking care by yourself or hire a maid? saving does not help for either option. you mus make sure your income is good enough to cover.