They would probably have still made out if not for the 2 ARMs, OR the extra child OR the intial cost of the house. All of these were decisions they made that came after the decision to enlist with a Reserve commitment.
It’s just like any active-duty service member who spends their enlistment bonus on the big car. Although we are a grateful nation they still have to make their car payments or they’ll lose their car; they still have to pay their rent or they get evicted.
