I think I mentioned that my breaking point was looking up how much to save for my daughter's college when she was 8 months old. They've got calculators. And were she to take 5 years in a private institution that she started at 18, these calculators felt I needed to set aside $850/mo (starting at 8 months old) to pay for an education that would cost approximately $800k. I determined that I'd be better off giving my daughter a couple restaurant franchises than a college education at that point, and I figured I wouldn't be the only one.
It cannot continue. Something is going to break. I suspect it's going to break violently.