Re: What's your budget system?
I would make getting medical coverage the highest priority over those other things you mentioned. Call and get Blue Cross's cheapest individual plan if you have to, but get something. An emergency fund will never pay anything near what you'd need for a serious medical problem (as you can see from your FIL's bill). Our insurance is not the best (very high deductible and co-pay), but it saved us from getting completely wiped out when we ended up with hospitalizations for five years in a row.
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