> Just a wild guess, the "vast majority of your adult life" are the experience you imagine the whole world has, yet they were spent unattached, without children or supporting so much as a cat, never mind children in a rich area of a huge city (and yes, San Francisco counts as huge) ...

The majority of it was spent attached, with a child, and several years of it taking buggies on public transport.

And no, San Francisco is not huge - San Francisco isn't much bigger than my suburb.

You also seem to think I'm in the US, for no good reason.

So that's wrong on every count.