Reply to I need about $20k to get us through a layoff-home equity loan?

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Reply to "I need about $20k to get us through a layoff-home equity loan?"

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Y'all are so off topic. OP's kids are small and don't have mental health issues. She was just living to the max and it bit her in the a$$.[/quote]

My child was diagnosed with a mental health condition when she was 2.5 yo. We've spent thousands on therapy for that condition.[/quote]

Also to add, none of the therapists that treat that condition are in-network for any insurance.[/quote]

So you use your health insurance, and the following year you budget for it. No one is saying medical costs are not obnoxious, but they’re hardly surprising. That’s literally t kohe point of health insurance - to limit surprises and allow you to budget. You are bad with money if your kids’ multi-year health condition frequently made you broke. [/quote]

We did not go broke (thanks for your concern, lol) but it was tough. We have an only child and it was thousands for 6 months of weekly appointments with one therapist. We are privileged that was all our child needed.

I don't think you understand what it means that none of the high quality therapists take insurance. Sure, we could have stuck with the awful therapist that was in network, but it would have been a waste of time and money, because it wouldn't have done anything for our child. That doesn't change from one year to another. And no, with young children the needs are not predictable. [/quote]

You were lucky it was only for 6 months and thousands.  Many of us pay far more for far longer.  But we budget to make it work.[/quote]

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