Dear Dave,
My husband and I are following your plan, and we’re on Baby Step 2. We just learned that the person who has done our taxes for the past three years made mistakes on all our returns. They were really nice and did our taxes for free, but now, we owe back taxes in the amount of $18,000. Since we’re still paying off debt, the only savings we have is the $1,000 in our beginner emergency fund. Should we take out a personal loan to take care of this, or set up payments with the IRS?
