Our money problems did not start overnight. They built overtime. Every decision held a consequence, yet we were blissfully unaware as we spent and then after the debt had built, we continued to be blissfully unwilling to change – and consciously choose to ignore it (Problem #1).
To figure out where we are going, first we need to look at how we got here.
Kevin and I met when we were in high school and began dating his freshmen year in college (my junior year of high school). We were married 5 years later, while I was still in college. We were 21 and 23, and absolutely clueless on how to manage finances (Problem #2). I had embraced the 1980’s with great zeal — amassing over 15 credit cards (mostly of the store variety) by time I was 20 years old (Problem #3). Kevin was unaware of most of them (Problem #4). We were both hard workers but underemployed (Problem #5).