You were making big plans for the new year. With the Christmas gifts all paid for in cash for the first time in decades, you finally felt like you were making some headway on your finances. Given that you have eliminated all but two of the credit card balances that were weighing you down just five years ago, you had plans for a big summer vacation with the family. In fact, once you had your oldest daughter moved back into her dorm for the second semester, you and your husband planned to make the big announcement. When the spring semester was finished you were taking both your daughters and your wife on a two week vacation to an all inclusive resort. With reservations for spa days, kayaking, hiking, and surfing lessons, it was going to be the biggest vacation your family of four had ever taken.
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