This is not an ordinary family, this is a rich family
I feel like there's an implicit suggestion that this is modern Americana but let's be honest:
Jay is not just a small business owner but a guy who owns an entire company of what seems like 20-40 employees? He owns his own pool and hot tub, membership at a local country club, and they take at least 2 or 3 international vacations a year. If he has another kid, he has no panic whatsoever about additional costs or anything.