Proactive is the word of the day and I wish that our past lawmakers could be been proactive so we aren’t where we are now.
We are blessed with a good income, but I know that can change tomorrow and the job is feeling less and less stable anyway.So I am thinking the house cleaners have to go as the very first step – but I feel for them as they are trying to make ends meet too and need work.

Also our investments, retirement and kids college accounts have suffered for many years and I don’t have confidence they will be too prosperous…and we need to be able to cover scenarios from losing a job and trying to send the first kid to college in a few years to replacing cars to getting our house paid off to preparing for future retirement…

Oh, and we have been forced to change our healthcare coverage, so will have more out of pocket expenses there next year as well.