So, earlier this year, in April my husband who is now 40, had some worsening of his congestive heart failure and had to be hospitalized for an extended period of time. His heart was really weak and he had struggled with heart failure for several years. While hospitalized, the doctors said that his heart was quitting and he was going into other organ failure as well. Our only hope was a LVAD, also known as a mechanical heart. This would keep him alive long enough to wait for a heart transplant. So, obviously, we made the decision to have the mechanical heart implanted. After all was said and done, he spent a total of 6 weeks in the hospital. During this time, I was not working as I am his caregiver and health care advocate and needed to be present with him pretty much all of the time. Factor in the fact that we have 4 children, 2 of which are teenagers, 1 is a pre-teen and the last is 8 and autistic; I needed to focus all of my energy on my family. Well, thank goodness everything worked out well, but now...the financial reprocussions of missing 6 weeks of work have caught up with us. We are behind on everything but I have instituted a new budget, started reading TMMO by Dave Ramsey and am using every piece of knowledge I can get my hands on from this board to try and dig out. I have a fresh perspective on debt and money and never want to be in this position again.