According to someone famous, all the overachievers in our culture are goal setters. I set goals, usually, but I'm not known to write them down. DW has been in a transition state, and very unsure of where she's going and has thus been reluctant to make goals. We made a goal together: have a baby.
That goal is something that isn't working. It's more of it 3 year goal now. DW has gone back to school in an effort to get something out of her massive amounts of student loans.
I have also started (back) watching "Till Debt Do Us Part", with the ever wonderful Gail, who herds migrant finances back into well contained pens. She did a series about babies, 3 in particular involved fertility treatments. It kept coming up loud and clear: your debt should be paid off as much as humanely possible before your jump into fertility baby making. Now I understand why our baby has not yet materialized, it's waiting for its parents to get their act together.
We are not in terrible shape by any stretch of the imagination, however our high cost of living (thanks, Vancouver) means that we need to work extra hard to clear up any stray bits. This is totally do able, and it's do able and worth doing for everyone. Paying off debt is not something to be done later, Gail repeatedly shows math that clearly demonstrates that not dealing with the issue now means you will spend double in interest.
So, our challenge now is to get our financial house in order (and no more procrastinating) and get DW healthy and well, and to get her through school, and also to save for baby.