LivingAlmostLarge - I have 401ks from 2 previous jobs. Both were (at the high) about 50K each now about 30K ea. I also Have $2k in a ROTH and another $2k in a 529 for college. I think now that I'm not working, I need to concentrate on paying off debt before saving up again. At this point, I can live on my current budget when (if?) I get a job again. That way, I can snowball the debt payments and get saving sooner. If DH sees me as committed to maintaining a debt-free lifestyle, he will help me out.
This is the second time I've run up debt like this. However, I have a nagging feeling that if we had combined accounts in the beginning and he saw my spending patterns early, he would have been able to help me nip this in the bud awhile ago. Hindsight is always 20/20, no?
KTP - We file jointly.
Seeker - Our insurance is through costco. Never stupid enough to get AAA in CA. Used to have Allstate for 10 yrs then switched to 20th Century now it's been Costo for 3 years now. It's been the best rates for us. They may have a roadside assistance plan too that I can check up on the rates.
Yes, CA is a communal property state so everything is 50/50 for the most part no matter what fancy pieces of paper say. And you're right, the child is ours.
Thanks again for all your critical advice and thoughts. I do appreciate it!