If you're falling for such scams then you'd have to put yourself into the "financially incompetent" category. You can hire a nanny for less that will take much better care of your kids.
Cost of a full time nanny is about 3000/month in a high col area. Childcare for small kids is expensive, and while it may be a scam, it’s a scam most parents I know have no choice but to pay into.
Describing mortgage payments as a scam seems pretty out there. Renting isn’t any cheaper, and with a mortgage at least your home is an investment
I was referring to childcare. That's just insane and you're being ripped off. That's like buying toothpaste for five hundred dollars per tube, just a solid scam no matter how you flip it. Regarding mortgages, I think that's another discussion.
It’s just what it costs though. What’s the alternative for a two-income family? A full time nanny isn’t cheaper.