It doesn't sound crass at all. One of the children is a foster child who we get no extra money for. She needs a safe place to live and food in her stomach and

It doesn't sound crass at all. One of the children is a foster child who we get no extra money for. She needs a safe place to live and food in her stomach and we're in a position where we can do that. I don't begrudge my situation at all. What I do have an issue with is "if you can't save x amount per month, you're living beyond your means". It's not that black and white. My trust fund question was legitimate. I also think that if you have a support system behind you (i.e. parents you could ultimately live with if you couldn't find work), it makes taking a year off with very little income, much more likely....as does, having a trust fund backing you up.