The high cost of living in Sydney causes city parents to worry more about their children. New research by the Financial Services Council (FSC)shows that 75% of metropolitan mums and dads say their ability to earn is important to the well-being of their kids, Tet a greater proportion of Sydney parents think children suffer emotionally by having two full-time working parents .AS a result 46%of Sydneysiders feel their Kids could be happier , against 38%of both Melbourne and regional New South Wales mums and dads. The FSC research ,which interviewed 1200 parents across the country ,also shows 66% of Sydneysiders believe the happiness of their children would be greatly affected if they or their partner couldn't work. The FSC undertook the survey as part of its Lifewise campaign ,to encourage Australians to protect themselves against financial hardship. Chairman of the Lifewise campaign John Crosswell said:"The research findings quite clearly highlight that Sydney parents prioritise  their ability to earn money and yet because they are so busy doing so, it seems that their ability to spend time with their family is affected .Sydney parents are dedicated to earning money but as a consequence, perhaps they don't have the time to enjoy spending it with their family." In sydney ,the top factor for creating an ideal childhood is financial security ,at 92%.Fewer parents rate having a tigh-knit family(89%)or living near friends and family (85%)as important. David and Ari Dearnley ,of North Manly ,said money pressure was hard to avoid in Sydney ,They both work and said family finances would be severely hard if one of them couldn't But only Mrs Dearnly has income-protection insurance, "I think that I don't really need it yet",Mr Dearnly ,37, said. "I think he's mad",Mrs Dearnly ,also 27 ,said,"If David couldn't work it would have a huge impact on our lifestyle." "Looks like I'll be getting _ tomorrow,"Mr Dearnly responded. According to John Crosswell, we can learn that  _
Income-protection insurance has an impact on the lifestyle of a Sydney family If moe of the parents couldn't work their family finances will be clearly affected Sydney parents are in a dilemma of devoting to work and enjoying family life Sydney parents now can make a balance between their work and family life