Dear Dave: My wife and I are on Baby Step 2 of your plan. About eight months ago she gave birth to our second child, and now she would like to have a mommy makeover. I want her to be comfortable and feel good about herself, but those procedures can be really expensive. I don’t know how to fit that in with trying to pay off debt and get control of our money. What do you think? — Greg

Dear Greg: Basically, this kind of cosmetic surgery isn’t an emergency. It’s a desire. It can, in many cases, be a valid and reasonable desire. But if you guys are serious about getting out of debt and gaining control of your finances, I’d advise waiting until after Baby Step 3 to make this happen.

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