> That's a nice gift you're giving them…

I never said I was - I'll certainly try to help where I can. I don't have that kind of money; see aforementioned healthcare costs! They're gonna need loans, it's probably gonna be quite a bit more than $40k, and I'm pretty dubious in the current job market that they're gonna have $40k in discretional annual income on the other end.

> I don't want to pay 15% of my income forever just because you can't budget.

And I don't want to go bankrupt from ever-rising medical costs, but here we are.