I was 100% focused on getting out of debt. I admit it. Several times, I was given the opportunity to change some things, but I didn’t want to spend the money, and detract from the pace at which I was eliminating my debt.
But a house and a baby are big detractors, anyway. And I failed to make those connections.
We have no insurance on my wife, and no insurance on the baby. So we are paying all of these expenses out of pocket. To make matters worse, my wife had an eclamptic seizure on Monday afternoon, something that happens in only rare cases after the birth. An ambulance ride, 3 additional nights in the hospital, and thousands of dollars later, I arrive at the end of this week not really knowing where to go from here.
The baby had already run up costs significantly, so our return to the hospital put an already drastic situation into dire straits. We will, of course, be negotiating with the doctors, the hospital, and everybody else that comes running to us for money, but, at the same time, it appears that we will also be making drastic lifestyle changes in the coming weeks.
First thing on the list, though, is to get through the current crisis. Wife and baby are fine, but this process can take 6 weeks to work through. Thankfully, they are both at home, and most of what needs to be done is simply rest & recover.
I don’t know the damages yet, and it could be months before all of this gets figured out, but there will be a major revamping of the family finances, for sure.
I am not complaining. There is no question in my mind that whatever sacrifices I must make are worth it, because I have my wife and baby. And, in the big scheme of things, that’s really what matters.