I just joined the forums. I live in WBL and work in Lake Elmo. I have three kids-- but can make some time on Thursdays if it is a regular meetup. Speaking of kids, I feel guilty not giving them everything they want, even though I know it is anti-m. I think it is because I can't spend the time with them so all I got is money. I am trying to change my mindset to every time I spend money that is adding the time it takes to retirement. They are 10, 5, and 2 so already missing out and not likely t be reitred until 7-9 years from now at my best estimation. Anyone else a mom and struggling here?