“As individuals, they can make the decision to self-insure, but as an advisor, it is unthinkable. They should purchase health insurance before they do anything else.”
“I wouldn't recommend they try to make more money with a second job, since living paycheck-to-paycheck is already stressful, and they have a young child. Instead, they'll need to reduce their expenses as much as they can.”
“As they make purchases and pay bills throughout the month from the checking account, they know they've blown the budget if they run out of money too fast,”
“The challenge here comes because Dave was extremely successful in a number of economic development efforts, especially working in a diverse community, including many communities outside Ames.”