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Then you have kids and it returns with a vengeance.
Ah. Nursery fees, but you do get used to them, only for those to go when they go to school but the fear is replaced by:
a) nursery was 8-6, school is only 9-3, that's going to be costly and then,
b) nursery was 51 weeks a year, school is only 39. I don't get 13 weeks holiday a year...Then they start needing stuff like bikes. And they grow out of stuff way too quick; shoes, clothes, bikes, beds, bedrooms, gardens, houses, ...
The fear soon dissipates.
Then you have kids and it returns with a vengeance.