I am. There's the university tuition, other related (so called "administrative") costs and (of course) time & energy. Also, some "reading" material (mostly book

I am. There's the university tuition, other related (so called "administrative") costs and (of course) time & energy. Also, some "reading" material (mostly books). Although many (but not most) of my colleagues receive grants or scholarships, it is common (here) to pay the PhD out of your own pocket. But I do live in Portugal, so factor in the economical (but, mostly, social) context.