Second mortgage

I've got the wool, the cardy is started! How comes you need a second mortgage to hand knit nowadays?? This is surely going to be the most expensive, creme de la creme of cardies! The wool and pattern cost me a small fortune (need more wool than the standard cardy if you get my drift), can't afford to mess this one up, got to wear it even if it the itching removes the top layer of my skin.