congrats on the baby ! You will make very nice parents !
I think what is meant by the million is the percentage of money spent on health care,food, house payments ,bills,entertainment,dental,lessons, cars, etc etc for the kids.
Think about it ! You pay for health care for a total family instead of two people. You buy more food for a full family.
Heck, I have a truck payment now and alot higher gas bill cause I gave one of my daughters my car.