Smileybear, I think I can already see that you are going to be able to help others here, too. Your statement about this all starting with a job loss with no emergency savings just gave me a chill. Yep, these things really do happen to real people.
Well I'm glad to hear that part of that missing $40,000 really does go to buying things you need --various insurances, flex account, "Save Yourself" account, even a 401-K now. It doesn't sound nearly as bleak as I first thought. Actually, if you can afford that great little 3 bedroom townhouse with just one child during a period of financial stress, I'd say you are doing well.
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