Eesh. Yes, intellectually I know this, and it's a bit of a comfort, though not much. I'm at least not living beyond my means. Well, not by much. And that's only due to my own stupidity and inability to deal with my finances like a responsible grown-up. Still, I've sat down and looked at the numbers, and I'm pretty sure I can fix all my major financial problems with about six months of serious belt-tightening.

I'm also trying to remind myself that outward appearances are just that—outward appearances. I have no idea what's really going on in people's private lives, let alone their bank accounts. So I'm going to focus on what I do know, and make sure that I get all my ducks in a row, as it were.

Thanks for the kind words!