When I'm on holidays I don't want to think about money. If you don't have a job to go back to then how long your cash reserves will last is something you think about every time you pull your wallet out. Especially if you've got a mortgage, I imagine having kids would make it even worse.
I am not sure if you're agreeing or disagreeing with my comment. It does seem like we're saying kind of the same thing. May be you meant to post a parent comment? :)