"Maybe it depends on whom you hang out with."

...and your existing bills and how you are able to pay for them.

I've got a 1 hour commute each direction, and an 8 hour a day, soul-sucking, brain-energy-sucking job. (HN is sanity retention medicine for me.) By the time I get home in the evening, fix dinner for the kids and me, eat, catch up with the family, etc. I don't have a lot of time or energy for anything else.