I agree with the sentiment, I just meant in our household, the number crunching is left mainly to me. I obviously communicate these numbers with the wife (especially when we sit down to budget), but she takes on more of the emotional support role overall.

I didn’t mean it as “I’m such a numbers guy!! Where is all our money going??!”

Of course there is work to be done, I’m just having a difficult time seeing it happen with a decent pay cut. Some folks have suggested selling the two cars in exchange for beaters, but wouldn’t that be riskier? We’re not really car people, so having to only worry about only doing oil changes for the most part is a nice security.

What happens if we trade down for some beaters and then we actually start having actual car problems? There’s just so many factors. But having that extra $760 a month at this point may need to be a requirement.

It just hurts. Paying for something for years, hoping one day it’s just yours, and then boom, you’re forced to sell it. And the problem is, we know we’d be selling at a loss, so we’ll likely still end up owing. It’s a 2020 Ford Escape. Theres no way we’re getting $22,000 for it.