No worries mate... I am 55 and have a mortgage, both Zen and I "dress in rags" around the house. We are well aware of the fiscal restraints you might be experiencing.
Good luck with the kids. Both a joy and a burden.
Good luck with the kids. Both a joy and a burden.

"The Universe is run by the complex interweaving of three elements: energy, matter, and enlightened self-interest." G'Kar-B5