Part 2/8:
The couple's financial story began in 2023, with a significant decision to relocate to the United States. The narrator had previous experience living in the U.S. from childhood into her twenties, which played a critical role in their approach to managing their finances. Their initial goal upon moving was to establish a one-year emergency fund to safeguard against future uncertainties, rather than focusing on immediate debt repayment.
At this point, their primary financial burden was her student loans, totaling around $33,000, which were temporarily deferred. Although she held some hope for potential loan forgiveness, she soon realized that they would need to confront this debt head-on.