@edithtaylor So hard not to wish you made different choices. I do that alllll the time around past expensive decisions. Soooo not helpful for our mental health. Accept and look forward my friend!
@vwynn Thank you! I’m dipping my toe in YNAB and seeing how it goes. My husband is not about the high detailed budgeting like I would prefer, so I don’t know how effective it’ll be. We’ll see.
@tinisha We have an emergency fund, but it’s not enough for if we lost a job let’s say, and every time we start making traction adding to it something happens and we have to take a chunk out.
@roarke That’s like us. We took a loan against our 401K last year for the downpayment on our house, and I did an early withdrawal from my IRA for bills this year. It feels embarrassing
@herrmannj11 I had my second beginning of jan and my first was in the ER 3 times + an overnight hospital stay in mid jan so we hit our out of pocket max very quickly this year. Silver lining I guess
@nutsnboltz I hate when my boomer parents (specifically dad) talk to me like I’m so bad with money. Don’t get me started on all the ways you were ahead in financial stability when you were having kids compared to me.