We have 2 beautiful, smart, whitty funny little boys.

My wife desperately wanted more. A little girl to round out the family.

I always said no because I didn’t think we could afford it.

I worried about sacrificing too much to provide for another.

I worried about schooling, I worried about travel, I worried about having an affordable and comfortable lifestyle for all of us.

I had a fiat mindset, because I didn’t know any different.

I didn’t realise there was a solution that would enable everything we wanted through hard work and time preference.

Now, I fear we have left it too late to safely go after what we want due to age.

Fiat robbed me and my family of something truly beautiful and I will never forgive or forget.