We are poor
This year, we started the year with about 25k in savings, rainy-day fund, and over the course of the year, well, it rained. Three cats with cancer, one new computer, two vacations, and a couple other extravagant purchases later, we have officially drained the rainy-day fund. To make matters worse, I changed jobs, which is a good thing for me and our family considering the Hellish commute and crap management/political infighting/reindeer games at the old place, but I have taken a big step down in pay to make it happen. Next year’s forecast is that I will take home 13k less than 2008. ...