Mmm. The hardest part for me right now is that choosing to spend more time at home with my family had caused my income to stagnate or even dip, which means I have to spend more time on paperwork: Budgeting, bargain-hunting, all the little tedia of saving money. Before I could just work more and earn more money, which was more enjoyable but kept me out of the house.

I still think it's worth it but I don't enjoy the paperwork.