Growing up, I only knew 2 families who had 4 kids or more. Actually, both had 4 kids. I was always jealous. It was just my brother and I. I dreamed of a large family of 2 boys and 1 girl when I was a teenager. I thought 3 was large. Now I have 2 boys, 1 girl, and another joining us in 2/11. When I found out I was pregnant with #3, friends (and a few strangers) thought we were nuts. It's true, we are, but we were nuts before the kids got here. As for money, there is none. There's no sanity here either so I'm sure it took the money and ran. We live very frugally-no tv, a bucket garden to help supplement the grocery trips, no fancy foods, no eating out unless someone else treats, stay-cations or somewhere for day trips, basic landline for telephone with no extras, hand-me-downs, coupon magic and only buying what's on sale at the grocery store,...I can't think of anything else at the moment. I truly love my life in this frugal stage. The kids don't know the difference since we became a one-income family after they joined us. They don't know what it's like to have their own room. To them, sharing a room is like having a sleepover every night with your best buddy.