Stay positive!

Unfortunately our current reality is that our official net worth is less than $0, and our current immediate forecast is looking down. All things considering (the fact that one year of school cost us € XX), we are still in pretty good shape. But still. I don't feel comfortable with a negative net worth and no concrete way to change that yet.

I never thought I'd ever have to care so much about the exchange rate of the euro. If it it goes down, our student loan could easily cost us thousands less. Or the opposite direction of course. We chose to get a loan, so when we got to the situation we're in now - end of school without a job - we'd have a cushion to live off. Of course we can't just say: Yeah... we have $ XX in the bank, lets have a party! Because we know that that money is offset by a $XX loan.

Plus, we're moving to a new place, and need to buy 2 cars, insurance, (hopefully) move from Texas to Utah, and all those costs add up quickly. $ XX in debt can quickly multiply into $ XX in debt if we're not careful.

So I try to focus on the positives. We have more freedom than ever to move to our location of choice. We have a place to stay in the meantime --big thanks to my overgenerous in-laws!! Joe is a smart man, and now has an MBA to help him find a good job. We're all healthy. Plus we got to live in Europe for a year!!