I was debt free for seven years until the day I got married. No, I didn't marry a man with debt, but most of it was because I got sick on my wedding night. I didn't have insurance, and my husband's insurance didn't kick in for another week.
I had done everything right. I had saved a $10,000 emergency fund like Dave Ramsey suggests in The Total Money Makeover. That went out the window when we were doing what we thought was a small update to my house, and discovered an electrical problem. It was something we didn't feel safe putting off until we had saved up the money, so the emergency fund was depleted.








