It seems to me this is a cry for help from ol’ Jeff. He’s probably just about to collapse under the crushing weight of his own debt. He’s feeling foolish for putting himself in that situation, he feels inferior to his faux-friends with whom he cannot discuss his problems, he’s distanced himself from his wife… I really feel bad for Jeff. Jeff needs a hug and a shoulder to cry on.

Jeff’s idea of an “allowance” (for himself and his wife) may be an attempt to see the up-side of the $20 he might get to spend on himself at the end of the week if he budgets well. He’s on the right track asking for your budgeting advice.

The wake-up call you’re trying to send ol’ Jeff would probably come around anyway. IMHO it might better involve a heart-to-heart breakdown confessional cry session in front of his wife, from whom he is doubtlessly hiding their catastrophic financial information. And after reading your response, hopefully that’s just what he’ll do.

Haters, recognize that Jeff reached out. Beating him when he’s down will only crush what shred of self-respect he’s got left riding around in that Benz.

Recognize also that Pete the Planner isn’t anyone else, he’s Pete the Planner. Take the financial advice and editorial flair or go read someone else’s blog. Pete is trying to start conversations that break down the walls that keep each of us from discussing our personal finances in public. Why are we all so ashamed to talk about money?

Pete, keep on experimenting with your blogging style and damn the torpedoes. I can’t tell if you’re brave or foolish, but I’m enjoying reading either way.

My husband and I aren’t where we want to be financially, but we are working toward our goals TOGETHER. That’s why I’m confident that we will continue to improve – because we are working together.

Finally, I LOVE your last line: “Keep calm and carry on.” Isn’t that some war quote???