What got me is that they have five kids but ZERO life or disability insurance. That's idiotic.
A cautionary tale about that situation--a friend of one of my cousins was a stay-at-home mom to four kids. Dad was making big bucks as an investment banker. They lived in a huge house, had huge SUVs, spent a ton of money taking expensive vacations, basically had all the things ... except life insurance. They were in their mid-thirties and their reasoning was that they were young, he was making money, they'd be okay. What could possibly happen?
Um ... how about September 11, 2001? Dad worked for Cantor Fitzgerald, which lost TWO THIRDS of its employees that day. Dad was sadly in that number. Mom quickly found out that they were in massive debt. Did she make plans to sell the house and downsize, try to find a job, etc.? Of course not. She sent emails to people begging them for money. I know this because my cousin gave her my email address (and earned a virtual facepunch from me when I found out).
Since Cantor Fitzgerald gave a ton of money to the families and she almost certainly got a chunk of change from the fundraisers, maybe everything worked out. If Dad had had life insurance, however, which can be had stupid cheap when you're young, the debt could have been wiped out and she would have had a decent nest egg. But I still remember sitting in front of my computer reading that email and saying out loud "are you fucking KIDDING me?"