We all thought life was so plush and nice when we were little kids, not knowing just how difficult life will really be in the real world once we are adults and out on our own.  My whole life I always heard my parent talking about paying bills and staying afloat.  Not until I got older was I able to appreciate it.  I always head about getting benefit for medical and dental, and now that I got stuck with large bills for my sleep apnea problem I can finally see what my parents were always talking about.  I do find that through experience though we all grow for the better.