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russmeyer
Don't have kids.
(Wife not working for 2 years [no maternity pay], both of us moving to part time [by choice] rather then 5 days a week of nursery/childcare, 4 years of nursery fees [extortionate in SW London, even 3 days a week], etc. Adding all of that up comes to more than our outstanding mortgage balance. Wouldn't change it though.)