Well thank you all for responding. I don't normally operate in crisis mode like this - but I've been trying to SERIOUSLY get back on my feet financially and can't avoid looking at our current cost of housing. My husband does have some medical issues - but refuses treatment (after which he could likely work) and refuses to get disability, I don't know that we'd qualify anyway b/c of my salary. (Can you say"enabler"!)
The thing is, my son wouldn't have to change schools! He'd go to the same elementary school. He's in 3rd grade, and fortunately, he is a VERY secure kid, secure in who he is, and I think he would not be happy but I've talked to him about money (Rich Kid, Smart Kid comic books etc.) so he I think would understand, maybe better than his dad! (We had a blast at the thrift stores last weekend!)
We are older parents, so the urgency for saving for retirement cannot be put off. Every year I delay is making it worse. And given our budget i can't even contribute the entire 401K match at work, I put in 1 or 2%.
So, yes, I have to bite the bullet as they say, it will work out far better in the long run I know.
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