Of course, that's not what I was going to post about. Karen just reminded me. She's so good that way. That's why I love her. Well, one of the reasons I love her.
Last night, Karen and I got on the topic of money. I'm not going to discuss numbers, not because I care, but because I don't need to mention the actual figures in order to get the point across.
We spent a fair amount (less than the average, but a lot for us) on our wedding. Which is to say we spent money we didn't have (credit cards) and then consolidated our credit card debt using the house as equity. We owed about the same as Karen's yearly salary in credit card debt. This took all the equity out of the house, but turned a bill into an asset, by making the interest on the money we owed tax-deductible. The wedding was a good party, but if (heaven forbid) either of us marry again, it won't get done that way again.
If you add up all our debt (the house, the home equity loan, the student loans, the car loan, the remainder on our credit cards, and anything else you can think of), we owe approximately 2.5 times our combined salaries. Ignoring the house and the home equity loan, the other stuff alone is equivalent to our combined yearly salary. Do I find this scary? Do I find this pressuring? In a word, no.
A few years ago I was a starving college student. In 1998 I earned so little money that the Federal Government declared that I owed NO TAXES AT ALL. Not one red cent. They returned all the money I'd earned, too. Yeah, I racked up a lot of student loan debt - whatever didn't go to the school, that was what I lived off of.
Now I have an education, a car, a home, and a wife. One of these days (months, years...whenever) we'll have kids, and the bills associated with them. Do I worry? Nope. Why? I feel lucky. I feel blessed. I feel good.
I'm not a deep thinker when it comes to philosopy or religion. Do I believe in God? Yes. Do I see His actions in daily life? No, not on a day-to-day basis...but I do in the long haul. I wasn't the smartest person in my class, nor am I the best pharmacist now. I get through my day, I get my paycheck, and hopefully when it's all said and done, the world is better because of what I do and how I do it. Yeah, we need a bigger house and we have too much debt to get it now. But if we keep this luck, or blessing, and stay on the good side of dharma and fate, I trust that it will all work out.
It's all good. It really is.