I also was living in denial about how having kids and and a wife would delay early retirement. Family of six (two in college), one income since the oldest was 6 months old. I can't imagine how having all the money we spent on shoes, food and additional car insurance. Of course, as a family, we really made out at Christmas and over the year on birthdays--my kids get four between them, and we only have to buy one, two, or three for the families of cousins.
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