Richie,you are unbelieveable. I am talking about my next door neighbor whose wife is still working. Yes,he did take vacations with his children,no he didn't have the latest car and no designer clothing. He worked hard and took care of his family. He has saved for his retirement 401K and some other savings. Try helping put 3 kids through college,clothing them,feeding them.Next you'll tell me they shouldn't have kids. Please don't respond to what you think I'm talking about. If you dont want to help people just say so.