Departed. And Ricky was the captain. From the age of 2, he would officiously tuck in his twin and switch off her bedside lamp at night. We expected tantrums and we expected to correct spoiled and selfish behavior, but we didn't expect a four year old who scowls, and spits, and refuses to speak, and sometimes says she hates us. The pattern we are trying to break is a pattern of brinksmanship where she either gets what she wants or ruins the whole family's day, including her own, by being truculent. And while we try to take everything in stride, it just doesn't seem like other children her age are nearly this .

It takes time to change spending habits and get out of debt. You will need all the help you can get. In many cases you can be debt free within 4 years or less if you follow the plan. Caveat: Please understand that using "fat" in the perjorative is his terminology, not mine. I am reflecting his assesment of women to me, not mine. He can't leave his desk and asks me to