These are the choices you make.
I'd rather have to retire many years later (or never) than have my beloved children get a chronic illness without health insurance, or be able to clothe them when they outgrow things, or be able to eat healthily (kind of important right now as I'm living the way I am). Or you know, pay for hotel at CONvergence (done). Or every once in a while get a babysitter. IT's been a while for that last one, however!