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@holywalk *Government bonds are fine. Corporate bonds I would avoid in an emergency fund.

@sweetheart1 So if it’s to pay off the card, why does it matter if they garnish it or you just pay it?

@sweetheart1 Can I ask, If they don’t take the tax return, what is your plan with that money?

@sweetheart1 Today? Eh. Middle management at best. Back then? No. Ultimately- I promise you - it’s about lifestyle choices. All my meat is the discount frozen meat from the commissary. My car is approaching 15 years old. We eat our leftovers and infrequently go out to eat. We meal plan...

@sweetheart1 Yes.

@sweetheart1 That doesn’t change the fact it’s a bad decision that’s dragging you guys down, not the cost of living in SoCal.

@kevonb129 OPs post history is a nightmare litany of excuses and bad decisions. Blames SoCal COL but doesn’t acknowledge the 26% loan on her husband’s Audi. OP - I rarely do this - but you should look up Dave Ramsey and “Financial Peace University.”