 That's one of those crossing the Rubicon type moments. Should you forfeit that for monetary reasons? Another thing to keep in mind is that you may take a step back in lifestyle when you have kids, but that's not necessarily a permanent situation. I'm in a much better financial position, better position in terms of lifestyle today with four kids than I was before I had kids. You might say that, well, if I never had kids, I'd be doing even better financially.