Back-to-school shopping is just one example of how expensive it can be to raise a child. Today's youngsters want more than pencils and gym shoes to start the school year. Kids also expect (and often get) cell phones, personal computers, and designer jeans. The costs continue to mount as you sign up your children or grandchildren for after-school care, piano lessons, Boy Scouts and travel soccer -- not to mention holiday expenses and spring break vacations. It's no wonder most modern households require two incomes to stay afloat!