For sure. All those costs add up and the real price of everything is going up all the time. Over here in the UK we have rampant inflation for most necessities which the government figures don't really seem to keep up with.
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I am sure that there is somone that always has it worse. The big problem with being a cash business is you never can prove your income and qualify for a home.
The average home in California is 12 x a person's annual income.