Once the kids are older the daycare fees go away, and they start to look after themselves more. Sounds like you may be an urbanite. Judging from the penthouse

Once the kids are older the daycare fees go away, and they start to look after themselves more. Sounds like you may be an urbanite. Judging from the penthouse reference. Feeling pinched at that income is a special joy of city living. Or California. One thing to consider is that some athletic clubs offer family plans with daycare included for an affordable price. The breaks are priceless.