Finances in the family

When it comes to finances in the family, so far kinsy has been taking care of that.  I understand and know how to do it and pay the bills and things but she just kind of took the reigns on that part which is perfectly fine for me.  But we are working on creating a budget for ourselves that will work.  Also when it comes to getting rid of debt me and kinsy are using the method that Marvin J. Ashton provided in his pamphlet "One for the Money."  He basically says that when you pay off one debt use that payment to go towards another debt and it snowballs until you have paid off all of your debts.  By doing this me and kinsy should be debt free in a few years. This is excluding school loans for now haha.  But when it comes to the finances, I am just really worried about having kids because we already have to save up to be poor and when that kid comes we will have to save up just to be broke...and that is really poor.  People always come back with you must have faith, but it is still very scary.  So far we are learning how to really manage our money instead of it managing us but sometimes unexpected expenses come and when your in college it is hard to have a rainy day fund.  But we are trying and having faith and that is the main thing.  But honestly getting and staying out of debt is probably one of the best pieces of advice anyone could give, and that is exactly how we will live for the rest of our lives.