Steve

Yeah. So, so basically we started out Ramsey-ish about five years ago. We started paying off our consumer debt, but then we kept a credit card and we still, we weren't budgeting at the time. But that all changed about three years ago when I quit my job. So I was in a really toxic work environment. I had a really rough boss and it was really impacting my health.

So I was trying to look for other jobs, but it just wasn't happening quick enough. And I had a panic attack and I said, you know what, we have an emergency fund, That's it.

So I was trying to look for other jobs, but it just wasn't happening quick enough. And I had a panic attack and I said, you know what, we have an emergency fund, That's it.

So I was trying to look for other jobs, but it just wasn't happening quick enough. And I had a panic attack and I said, you know what, we have an emergency fund, That's it.

But a few weeks later, I got another job. And it was about a $30,000 pay cut. So at that point, we knew we needed to get dialed in. We needed to start budgeting. I cut up the credit card. And we were just intentional throughout that time. And then we got pregnant with our Cecilia, which we'll meet shortly. And she was in the NICU for a few weeks. I came early. Yeah, she was five weeks early. Sweet.

But a few weeks later, I got another job. And it was about a $30,000 pay cut. So at that point, we knew we needed to get dialed in. We needed to start budgeting. I cut up the credit card. And we were just intentional throughout that time. And then we got pregnant with our Cecilia, which we'll meet shortly. And she was in the NICU for a few weeks. I came early. Yeah, she was five weeks early. Sweet.

But a few weeks later, I got another job. And it was about a $30,000 pay cut. So at that point, we knew we needed to get dialed in. We needed to start budgeting. I cut up the credit card. And we were just intentional throughout that time. And then we got pregnant with our Cecilia, which we'll meet shortly. And she was in the NICU for a few weeks. I came early. Yeah, she was five weeks early. Sweet.

Thanks to God and our family and friends and the fact that we had financial stability, we were able to get through it. And then ever since then, on our parental leaves, we actually both got better jobs and better paying jobs. And that's why you see that big jump. And I actually ended up going back to the company that I originally left because that manager was gone. It's great.

Thanks to God and our family and friends and the fact that we had financial stability, we were able to get through it. And then ever since then, on our parental leaves, we actually both got better jobs and better paying jobs. And that's why you see that big jump. And I actually ended up going back to the company that I originally left because that manager was gone. It's great.

Thanks to God and our family and friends and the fact that we had financial stability, we were able to get through it. And then ever since then, on our parental leaves, we actually both got better jobs and better paying jobs. And that's why you see that big jump. And I actually ended up going back to the company that I originally left because that manager was gone. It's great.

Yeah, a little bit. A little bit.

Yeah, a little bit. A little bit.

Yeah, a little bit. A little bit.

Yeah, a lot. Definitely. A lot.

Yeah, a lot. Definitely. A lot.

Yeah, a lot. Definitely. A lot.

Yeah. Yeah.

Yeah. Yeah.

Yeah. Yeah.

Yes. Yes. And that's always hard, too, because you're like, this is amazing. You want everyone to do it, but... Yeah, they have to figure it out themselves. So hopefully this will help.