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It was only a few months after the market tumbled in September 2008 that my husband and I welcomed our first child, born in January 2009. Of course it was an amazingly joyous occasion, and we were thrilled beyond words. But our happiness was tempered as the effects of the economic downturn began to hit close to home.

Over time, of course, we adjusted. Sure, we had to get used to that added expense that comes along with a baby, which was coupled with fewer dollars rolling into our bank account thanks to the downturn. And I admit that although it was scary at first, through creative belt-tightening, I was able to look these challenges in the face and make it work.


Cathleen Flahardy

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