We have no kids, but my wife and I have had 4 dogs in the 20 years since we have been married. 2 have passed and we still have 2. our first Doberman we got in 1995.. he was a very loyal, friendly and happy dog. However .. I stopped adding the vet bills when i got to 60k .. he was a Blue Doberman and plagued with problems. He lived to be 13 and I would spend the same money all over again on him or any of our other dogs. When we took the responsibility to have a dog, we took the responsibility to care for them to the best of our ability. Today, we have pet insurance so hopefully should something happen, we have a buffer for cost.