Agreed (again).

My wife and I had a bunch of things happen all at once. We used to be renters in a much lower COL city with somewhat comparable income. Then, we had a layoff + a new job, so we moved, rented for a bit and then bought a house, and had kids basically all in the span of around 18 months. We used to live with essentially zero financial stress and while I'm fully aware that we still have it pretty good, we have never had to pay as much attention to personal finances as we do now.