Facing Reality

Hubby got laid off last week.  Luckily, he will be able to finish out the month and then possibly do some consulting work for his engineering firm, but beyond that he's searching for a job.

His company said that they have sent out invoices to everyone who owes them money for work that has already been completed, but they have been told that the money won't be coming.  

Nobody has it.  

We went through our finances, hashed out a plan, and are now simply crossing our fingers that our plans work.  We are ok for a full three months of absolutely ZERO income, but anything beyond that and I'll have to get a job in addition to school.  He wants that to be our absolute last resort because of how intense my program is, but I'd really prefer to be proactive instead of waiting until the absolute last second.  I technically can work with just my BA, but only as an assistant.  Not a really great situation, but good for my resume.  Any clinical experience is good, I guess. 

The B-I-G thing I'm concerned about is insurance, and I'm torn over whether or not I'm concerned.  On one hand, after everything that happened with me and Monkey #2 last year, I feel like we'd be insane to not have it.  On the other hand, I paid $8,000 out of pocket on top of insurance premiums last year.  Half of that was to my midwife, the other half was to cover the cesarean and Monkey's unexpected hospitalization.  My logical brain says, "get the insurance" one moment, the next it says to not waste my money.  Luckily I have the on-campus clinic I can use if I got sick, and I can get state health care for the girls, but it is my husband and step-daughter I worry about.  Any suggestions?

As with all else, we'll have to wait and see.  

Now if only that much talked about stimulus package would hurry up and happen.