As stated in an earlier post, 2011 was not the best year — financially — for my family. This does not only apply to my parents. While J and I are by no means poor, we have been on a very tight budget. Yes, we were able to hire a part-time nanny for a few months. Yes, we are able to dine out once in a while. But these luxuries do not come easily, as we have made numerous sacrifices to achieve them (e.g., not purchasing clothes for ourselves for the entire year). And as much as it pains me to not be able to afford toddler classes for Claire, or not be able to immediately afford a new couch despite the...