Good point Trill. People seem to think we have lots of money and that's why I do it, bc I can afford to but it's just not true. DH doesn't earn much. We decided it wasn't important to us to have a house of our own before having kids bc that would mean we would have to wait longer and I would prob have to work instead. We have just arranged our lives to make it work so I can be a SAHM bc it's important to us!! And we only spend what we have, not more.