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[quote=Anonymous][quote=Anonymous]OP here.

Thank you for your feedback. I thought we would be making more money as he had good degrees and a stable job when we married. I...did not plan on a high earning career as I wanted to be a mom first. He got stuck in the 80k-100k range for a few years while we got married. Then, he got laid off.

Now we are 32 and 33 and in very bad shape. [/quote]

Here's the bottom line:  You need to work.  More.

Your DH needs to find full-time employment ASAP.

Furthermore, each of you needs to find a second job no matter what it is.  Waitstaff, cleaning offices, cashier jobs, whatever... You don't have children so now is the time to play catch-up.

If each of you gets a part-time job earning at least $15 per hour then that can be $30K (or more) per year.

In the meantime, slash all your expenses so that you are living bare-bones. Yes, it may be hard but you can do that too. No eating out, buy only what you absolutely need, keep old vehicles, no vacations, etc.

Commit to doing it, no matter how hard or tired you are, for one year.  [/quote]

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