That's the gist, with kids (and potential mortgage) the buffer is so huge, even if its there it creates its own pressures. Nobody normal likes to burn through t

That's the gist, with kids (and potential mortgage) the buffer is so huge, even if its there it creates its own pressures. Nobody normal likes to burn through tens of thousands if not more, so they often stave it off, for better or worse (and worse it usually is)