My wife and I decided to cut back on a few things in an effort to get our finances in order. So I dropped her and the kids from my employer’s health plan and I let my son know that college is going to have to wait (at least) one year.

The savings aren’t enough to pay down our significant debt,

If we started from scratch, intent on creating a worse healthcare system than we have today, we would have to enlist Bobert, MTG and the other bottom minds across the country. Yet, even then, I’m not sure it could be done.