My husband suffered some unexpected health issues, and without medical insurance (because earlier we had to decide: Mortgage? Or COBRA?) we were saddled with some hefty bills. Recovery and therapy followed. Tick… tick… tick… We had our six-months reserves, as counselled. We had our credit cards paid off. Our modest cars and student loans were paid off.
My husband picked up odd jobs where he could, while continuing his search. We paid a headhunter to help us. We broadened our horizons, looking in other cities. At one temp-job, my husband broke his hand in some machinery. More medical bills. Tick… tick… tick… At the same time, our youngest son was officially diagnosed with Autism, and we began learning a new language.