OP says it’s the regions where child care costs 50 to 100k, so I am basing it on that.

As someone who has paid for childcare for 12 years in the US and never got anywhere close to half of the lower end of that amount I would be very curious about which regions they are referring to. Maybe they are referring to 5+ young kids?

I used to pay around ~2500 a month for 2 kids in the greater DC Area (richest counties in the US).

I'm sure that number has gone up over the last few years but I absolutely do not believe anyone is paying 100k for child care. Like maybe, maybe the highest-end of high end daycares around SF, NYC, DC, etc. would be clocking at at 60k, and for multiple kids.

I can imagine 4k a month for daycare, plus 2k for part time nanny (kids get sick!), 1k for extra bedroom, 1k for other expenses like food, clothing, bigger car.

That is 96k a year.