Level 1
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Debt management

@wiredjack, in reading your post it seemed to relay your frustrations. You and your wife seem to be in a financially blessed position with the one income. I am in a position where a recent medical event has unemployed my husband who was also the spender of the house. I am more disciplined and it has put me in a great position to take care of every financial need with MY oldest in Graduate school and MY youngest son in College. Yes mine, because with or without my spouse me and their father are the responsible party.

I implore you to โ€œwrite the vision and make it plain.โ€ I do it every month with a .50 composition book and I cringe when I see how much money is/has been misused...I get back on track and create moments until the vacation is a reality. I wish you all well and you have the discipline to reign it in...๐Ÿ™๐Ÿฝ๐Ÿ™Œ๐Ÿฝ๐Ÿ‘๐Ÿฝ