I hope to not require Windows in the future but Windows Update is disabled on my Win7 machine and everything's in its right place.
The same thing goes with the cost of raising kids. Studies will tell you that you need tons of money to raise a kid but somehow, my parents raised 9 of us and they didn't spend the millions that studies suggest they would have needed.
How much money does it take to retire (or raise a kid)? It costs however much you want to spend on it. (Which is different than however much the next guy is going to spend).
The most recent average I've heard is $280,000 to raise a child to eighteen. No idea when you were born, but if that were in 1980, the average adjusted for inflation would be $93,800. Purely by the numbers, that's a factor.
Work is the crab grass in the lawn of life. -- Schulz