Stressed about childcare

Sa

So literally since BEFORE I even started trying to get pregnant, my mom and I had discussed her leaving work to stay home with the baby. It's always been something that she wanted and has offered to do. We talked in depth several times when I told her I was thinking about trying, when we did start trying, and when we got pregnant and she was so committed and on board. Flash forward to today, I'm 23 weeks pregnant and she has been talking to me a lot lately about different things that are coming up financially so I decided to just outright ask her if this was going to effect her staying home with the baby when I return to work. And of course, all of a sudden it's going to be a struggle and she's trying to make it work but she's just not sure and so on and so forth. At this point, I'm crying telling my husband because we have 0 backup plan and I feel like an idiot for depending on her. Full time child care where we live is upwards of $1200 a month and there's no way we can afford that. We live comfortably right now, just bought my husband a new vehicle, are able to save and invest in our futures, own a beautiful home, etc but this is putting such a wrench in our plans. I love what I do and really didn't plan on leaving my career when the baby was born but I just don't know what to do and am stressing hardcore. My hubby is so sweet telling me no matter what we'll make it work, not to worry, we have plenty of time, etc. But I don't want to wait until the last second to figure out child care 😭 anyone have advice or just some words of encouragement?