Having been indentured in a form of modern-day serfdom for the last six years, I have just paid my last nursery bill.
Now all that money has to be channelled into an extra large mortgage so that you can live in the catchment area of a secondary school that you want your kids to go to.
In 10 years time, that money earning ability that you have developed will mean that your kids won't qualify for a full student maintenance loan ...
Hopefully you are putting a sensible amount into your pension savings