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(Memphis) Couples trying to have a baby want to make sure they have a little money in the bank.

A new study finds the average cost of having a baby in the U.S. is $21,000!

The cost of having twins skyrockets to $105,000.

Pregnancies with triplets or more cost nearly 20 times as much.

Pennsylvania researchers found bills add up because women with twins or more may have more pre-existing conditions and hospital stays are usually longer.