80% Towards Insolvency

Year Four, don't let the family find out!
This year it’s the kid’s college fund that takes a battering and low and behold they don't really need a substandard degree. They can always do better if they take an apprenticeship or they could take out a Student Loan and eventually pay it off just before you retire if you can afford it. This is a delicate time if the partner finds out it could be curtains for your ambitions so best just keep at it and ignore the lack of business as it is starting to come in dribs and drabs but not enough to feed a hungry caterpillar. Kid’s money's all gone so we're focused onto Year 5