@thumper1 thank you for the information.
My husband has a job. A good job actually (makes over 100K) BUT he has Asperger Syndrome. Due to his disability, he can’t hold a job. There is no financial stability, unfortunately. I also have a full time job but I do not make nearly as much.
We do not have credit card debt and no car payment. Our mortgage is not outrageous. But, since my husband employment instability due to his disability, we go through money we have in the bank to pay for everyday expenses and bills whenever he becomes unemployed.