Now i‘m not sure about cats, but for dogs i’ve seen them cost a lot, even in the first year, and even if you don’t consider adoption. between taxes, health insurance, and equipment you gotta get, you can spend a lot of money very quickly. ofc you can also go with the cheapest options, but then sth stupid happens and your dog has a 4k trip to the vet in year two, and insurance won’t cover shit.

tldr: I’ve seen dogs get very expensive very quickly.