You might think it’s early for serious money discussions (like, should you have a will?), but laying the groundwork for your family's financial health now will pay off down the road – in peace of mind, for one thing. Start with a basic list of topics to tackle. Save smartly with second-hand shopping (from your maternity wardrobe to baby gear). Pick up a few tips for everyday saving, and brush up on couponing – a little bit of saving here and there can add up.