(Interest from savings accounts and other bank accounts is taxed as income, not capital gains.) That term also differentiates a standard brokerage account from tax-advantaged retirement accounts, like an IRA or a Roth IRA. These accounts also allow you to invest, but with money specifically designated for retirement.
1 The cost of daycare can vary greatly from state to state and city to city. 2  Generally speaking, the busier the area, the more expensive the daycare rates will be. 3  According to babycenter, day care costs can average anywhere between $250 and $1200 per month. 4  The average national monthly cost of child care is $611.
For preschool-age children, the average cost for home daycare is $7,627 a year ($636 a month). Prices start at $3,780 a year and top at $12,000 a year ($315 to $1,000 a month).