It’s been a long-time coming. Shortly after we were married in 2008, Jennifer started law school, which meant that we signed off on loan after loan to get her through private school.

By the time she graduated in 2011, we had close to $90,000 in school debt. Thankfully, we had been paying some interest along the way, but it was still a daunting number.

Although we were in a dual income relationship, we weren’t organized with any kind of budget. Credit cards tempted us when we didn’t have cash on hand, a car loan became necessary after Elin was born, and we just got sloppy with finances. There was very little intentionality about any of it, and it started to make me anxious.

Read More