Let me start off by saying my husband and I are in our late 30’s/early 40’s. He is in education. I am in accounting. We live in Phoenix, Arizona and have an elementary-aged daughter. Together we make a combined $70,000 (gross) a year. Our take-home pay is $3,800 a month. We are well respected at our jobs, we work hard and have been there for more than a few years. We are good with money, we have one secured credit card with a $300 limit and we do not spend frivolously.
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