[B4Ranch]

When I was younger with both kids at home, occasionaly I didn't have that luxury.

[SauronOfMordor]

When I was younger with both kids at home, occasionaly I didn't have that luxury.

I have three kids at home. I have a policy of "no debt", and adjust my standard of living to be within my income (very low currently, with the state of the IT consulting field). I drive a 10-year-old car, but I'm debt-free except for mortgage (and I'm working on that too).