its just the trading down your house bit - and the 5 year plan to have 3 shops, and the surfing and stuff - good for you - truly i mean it.
that doesnt mean that other people dont work as hard as you work.
the buck stops with me too. if i dont work we dont eat we cant pay the rent we are homeless.
you are fortunate.
other people work just as hard as you but are not as fortunate. and have exactly exactly the same priorities as you with regards to education but cannot afford it.
and its not down to them not working hard enough to make it happen. some people have no capital behing them at all y' know - they cant move to a different area and sell up - they can't trade down, re - mortgage or gather as much capital as some can when they own their own home.
and its not through lazyness or not working as hard, or not wanting it as much. Everyone has different circumstances in life.