Not often, but my wife has made this one for years and years: www.pccmarkets.com/recipe/steph...

This x100. Many years of paying cash for therapy etc for kids on the spectrum, because they nearly universally don’t accept *any* insurance, on account of they like to actually get paid. The mental health section of your insurance company’s provider guide is fiction. No one takes your insurance.

LOTS of people didn’t have them. I finished a *CS* degree, established a career, and was finally able to purchase my first desktop (around $3500 at the time) when I was firmly established in my career and had two kids. And the purchase still gave me anxiety, machines were expensive AF back then.