Reply #4: I'm so sorry.

[Bucky]

I know things are sucking right now. Step one is to not panic. You're right to not want to go into your savings since you pay a penalty for it. But realize you pay a penalty for "getting naked" too (strip bar job?), altho probably more of a psychic than a financial penalty.

I'm gonna guess about you, who I don't know, here. So if I'm totally off-base, ignore me. But I'm gonna guess that if you're angry with your husband for the car getting broken into, which is totally not his fault, then probably you're really angry with him about something else instead. Step two is to make sure yall are on the same page and working together rather than working at cross purposes--which a lot of young people do without meaning to. Find someone who can help yall communicate together--preachers often do this sort of thing for free (tho sometimes you gotta pretend to be in their church). The stress level of having a young child and uncertain financial situation is really really high. I've been there and I can tell you that the stress level goes down with the years, even tho the things to worry about never go away. Partly it's just a function of getting older and partly it's knowing that you have taken a few steps in the right direction that counts

So step three is for the two of you to sit down and come up with a financial plan. That will also mean coming up with a job plan. If you're smart enough to be a DUer, you're smart enough to earn better than three bucks at a titty bar. Forgive me if that comment is over the line, but I'd like for you to do better, mostly because then you'll have lots of money to donate to Democratic candidates ;)

I seriously hope yall find a solid plan for your lives together. Often just the planning process can work to bring under control those freaked-out feelings that can just eat you up at three o'clock in the morning.

Peace on you both.