Life can get complicated. And expensive!If you have kids, you know there are infinite ways to spend money on them. To quote The Grinch Who Stole Christmas, “Pop guns! And bicycles! Roller skates! Drums! Checkerboards! Tricycles! Popcorn! And plums!” If that were written today the list might look a bit different: “Hockey and dance lessons, iPads and gadgets, horse riding, skiing, lightsabers, tablets!” My wife and I aren’t rich. But we’re not poor.......