You know that feeling when the wife calls you at work and tells you she can’t buy groceries because there wasn’t any money left in the account?
It’s hard to believe this was our reality in the Spring of 2011. We were living paycheck to paycheck and only one major expense away from an absolute financial disaster. The worst part was we were too stupid to even realize how bad it had become because we were normal. Normal is driving around luxury cars with 6 year notes, taking trips to the Caribbean on Visa’s dime, wearing fancy jewelry that we financed, and letting the world know how well we were doing.
We would spend three hours researching the best flat screen television to buy, and about seven minutes a year to decide on our investment strategy for our pathetic retirement goals. We were running on the treadmill, and every year the treadmill got faster and faster. Then one day we couldn’t keep up anymore and we finally had that “Oh, $h!t moment”. We couldn’t buy groceries because we were broke. Who could have seen this coming?
I’ll never forget the embarrassment I felt inside because I knew we were doomed. I knew that we both had good jobs and we still couldn’t even pay for ourselves. How pathetic, right? That feeling of shame, embarrassment, and overall fear of the future caused something radical to happen. The next few months would be a defining point in our marriage, for our life, and for our legacy. It started the day Andrea and I got on the same page with money together. One thing we agreed on with our money…we didn’t like being broke.