InvestorsObserver analysis reveals five-child families increasingly out of reach as parents plan 2026 budgets. As families prepare their 2026 financial plans, a recent analysis from InvestorsObserver reveals that raising five children has become unaffordable for the average American household.  Across 50 major metro areas, families with five children fall $32,000 short annually when basic child-rearing costs are compared to median married-couple income. The research shows that large families now require near-elite earnings to sustain. In Chicago, raising five children costs $165,000 annually just for basics like food, childcare, and medical expenses. This creates a $36,000 deficit for median-income couples. In the most expensive metros, the gap becomes insurmountable without top-tier salaries. “Large…