Starting a family is difficult. Starting anything is difficult. It is a bit like that physics thing; you know, the law that states that to get something started takes an incredible force. But at the same time, as soon as you do get something started, maintaining something does not take as much effort as it did to get it started (“an object in motion will remain in motion”). It’s a bit all like that. That is why, it might seem like life insurance is a difficult cost to justify now, but down the line, and if you set things up right, you’ll be seeing that a well diversified overall estate plan will benefit, vastly, from a good plan about insurance policies (not just life, but auto, everything). You don’t want to take these things for granted. You’re earning fine now, you want to make sure that cashflow goes to something important.