For me this has been a financially challenging year having 3 kids in University and a son with special needs (which I may start writing about more next year, that remains to be seen). My wife is also working hard to help out, but my guess is this will be a challenging few years for me helping out my kids. The posts in the coming year may seem a little more raw, which may not be to your liking, but remember I am writing this tome as much as a cathartic rant for myself.
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