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[quote=Anonymous][quote=Anonymous]OP here. Thanks for the feedback. [b]The ring was $50k new over 20 years ago[/b]. No idea what it’s worth now. I was hoping for $20k but maybe that’s optimistic. We live in a small old house in a desirable close-in suburb. I do the cleaning and the yard work myself. We drive old cars and don’t take vacations. 4 kids. Oldest is 7. I think most assume we’re the smart, frugal types. When, in actuality, we’re just barely making ends meet these days. It wasn’t always this way. We had an incredibly difficult year. Our current after-school activities are cheap, nothing fancy. Christmas is going to be very different.

I will not pull my kid out of preschool. Routine and socialization are extremely important. I’ll get back to work asap. Spent all morning working on my resume and applications. Thanks for the encouragement. [/quote]

Oh my god this is such a big red flag that I don't think anything else in this thread matters. And the fact that you think selling it might help you be less broke... bless your heart but you need to get to a financial advisor. You and your DH clearly are not capable of making good financial decisions. I know people are piling on you - but some people just do not have good sense when it comes to money and that's totally fine as long as you find someone who does to help you make decisions. Don't let pride get in your way. Do it for your kids.

"Christmas is going to be very different." Oh honey. Honey honey honey.
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