The reason he recommends that people go into storm cloud mode when they are expecting is so that they will have money saved up to pay for hospital expenses, etc.
http://www.mytotalmoneymakeover.com/index.cfm?event=dspAskDave&intContentItemId=6054
Correct but it is an expected expense, not a surprise or emergency.
Half the women on the Dave Ramsey forums were shocked to discover they were pregnant.