Well the goal is usually not to go into debt, since that is harder to get rid of then earning back what you "cashed out" etc. Also debt is almost always more expensive than taking care of the bill on time.
I think "savings" is a much better word than "disposable income", saving a little extra whenever possible to remove future problems. Seriously, the fact that you saved enough for your kid's needs when they arose is a huge thing, not a loss. Glad you pulled through :)
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