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What is an ‘Emergency’?

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We had to put our 14-year-old dog down today. His health has been slowly failing and I’ve been ignoring it for as long as possible. If I ignore it, I don’t have to do anything right? Last week, my husband mentioned that it was time. We needed to stop the suffering. I couldn’t do it. […]


Should You Pull Money from Retirement to Pay off Student Debt?

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In 2013, my husband left a construction job he had been at for nearly 10 years. The company was an ESOP (employee owned) and they asked if he wanted to cash out his stock or if he would be rolling it to retirement. Keep in mind, I had just bought that stupid brand-new SUV less […]