Last year we had our first child and were hit with some surprisingly high medical bills. In the process of him being born, his mother had a kidney stone which resulted in an unplanned hospitalization. We've been making payments on the bills regularly, but there's so many different companies involved it's become difficult to keep all of them happy. To top it off, another kidney stone just came up and may require surgery too. We've all but nearly drained the emergency fund just on that alone. Normally, I would just get a second job, but we work opposite schedules and we can't get night care for the baby. Thank you for any contributions.