gcvmom
Here we go again!
I am far enough from retirement that I feel fairly confident about our retirement money being able to bounce back and catch up over time from whatever hits the market takes now or in the next 4 years.
husband's job is very secure -- he's in Information Technology for the investment industry, so that's not a concern either. He could get a job just about anywhere with his skills and experience.
What worries me MOST is husband's lack of fiscal responsibility which puts us into serious credit card debt on a regular basis. We get lucky and have a windfall that bails us out usually, but I DO NOT like living this way. It is frustrating to see financial opportunities come up that we CANNOT take advantage of because we're so much in the hole with no cash reserves. If he had the same money ethic as me, we'd be sitting really, really beautifully right now. House would be paid for. We'd probably be able to buy a small place for his parents (who currently rely on his sister for housing and us for their medigap coverage). Kids' college funds and retirement accounts nice and fat. And he would probably be able to retire early. But that's a pipe dream for someone like him -- at least he's got me to try to keep us above water...
husband's job is very secure -- he's in Information Technology for the investment industry, so that's not a concern either. He could get a job just about anywhere with his skills and experience.
What worries me MOST is husband's lack of fiscal responsibility which puts us into serious credit card debt on a regular basis. We get lucky and have a windfall that bails us out usually, but I DO NOT like living this way. It is frustrating to see financial opportunities come up that we CANNOT take advantage of because we're so much in the hole with no cash reserves. If he had the same money ethic as me, we'd be sitting really, really beautifully right now. House would be paid for. We'd probably be able to buy a small place for his parents (who currently rely on his sister for housing and us for their medigap coverage). Kids' college funds and retirement accounts nice and fat. And he would probably be able to retire early. But that's a pipe dream for someone like him -- at least he's got me to try to keep us above water...