feeling like a failure

I am currently 20 weeks pregnant and the reality and hormones are definitely kicking in. My husband and I both work full time jobs and live pay check to pay check. I have a bachelor's in psychology which I worked really hard to get. my husband works extra hours and stays late so we can have a little extra money. We always pay our bills and have a roof and food in our stomachs. I have always wondered how we would be able to afford a baby, I'm sure like everyone does. I have been looking at the prices of daycare and get discouraged every time. You have to get another job just to afford what they are charging. I can't help but feel I am already failing my unborn daughter. 😢 How does anyone afford to send their child to daycare!