I agree that the costs are over-estimated. I think for me it is more the thing the sibling post pointed out of your risk profile changing dramatically when you

I agree that the costs are over-estimated. I think for me it is more the thing the sibling post pointed out of your risk profile changing dramatically when you have dependents. Most things in life these days, I don't really worry about how it will affect me, I worry how it will affect my wife / kids. Makes me much more cautious than I otherwise might have been.