Last night, after we had put our daughter to bed, the wife and I had a discussion about trying to retire our debt, yet again. This time around, we had the conversation while not have a few drinks. It made the conversation more logical, but clearly, less fun.
Yup, we have credit card debt, and student loans, and a car loan as well. It’s a lot. This weighs on us all the time, and it seems like “debt” always finds a way to work into whatever conversation we are having. 2020 was the year that we were to get on top of it, and in March, it really looked like it was going to happen… And we all know what came next.
What we were really trying to speak about last night was, did we have the courage to start planning for the future? I still don’t think we are there yet. The debt is a big problem, but so is getting the kid back into school, and even if she does get back into class every day, that doesn’t give me the ability to go out and get a job, as she will be out of class at 2:30, and with no afterschool program for her to be a part of, then I will need to be available for pick up. So, looks like I will be Stay at Home Dad for a while longer.
And I enjoy being a Stay at Home Dad. I love all the time I get to spend with my daughter; helping her learn, playing with her, discovering things with her, creating things with her. It really is a gift, the best silver lining to come out of this whole mess.
But…
But, if I want to give her a good future, and stability, we have to take care of our finances. It’s not insurmountable, and we have been in a worse situation before. It just means that a sacrifice needs to be made.
Like I said, we need a little courage.