Reply #7: You sound like you could end up in that book, "The Millionaire Next Door".

[sinkingfeeling]

All of your co-workers will realize their mistake someday, unless they just assume somebody else will 'bail' them out. I know one young woman, 23 years old, who had 2 children by different fathers 10 months apart. She receives decent child support ($460/mo.) from one and nothing from the other. She hasn't held a job in the last 3 months and when she does work it's at McDonald's, part-time. She truly thinks the 'state' will take care of all her needs. She got something close to $3000 in EIC this year and is picking up another $900 from the 'rebate'. The saddest thing is she is a CNA and could be making about $15-19 an hour, but elects not to. I've repeatedly asked her why she wants to raise her children in this way, but she's not worried.