George Kamel

And even you can go, OK, let's say we're debt free.

Let's take out those debt payments.

It's still going to be tight.

And really, here's how much house we can afford.

Then you can start to map out what is realistic for your situation.

And you might need to live further out where rent is $1,500 instead of $2,500.

And so there's just trade-offs all the way around.

But you'll have the most flexibility and options if you become debt-free and you have the emergency fund.

And hopefully your husband has a ceiling, you know, a bigger ceiling for his income.

He can start making more.

Then life will get a little more comfortable.

But right now the saving grace is these –

Parents and in-laws who are willing to watch the babies.

Imagine they had daycare to cover in the midst of this budget.

I always love it.

Like, it was a huge surprise.

I'm like, well, I don't know if you were in science class, but there shouldn't be a whole lot of surprises there.

You're not Mary in the Bible here.

Of course not.

You might as well pay that to the government in taxes at that point if you're just going to bleed it.