Maybe you thought this would be where I write, "We lived happily everafter." Unfortunately (or fortunately), that's not the case.
I skipped a part of our story above, the part where my husband quit his teaching job and started investing in stocks and real estate.
Although leaving teaching was hard (it's his 'calling', something he was born to do and loves with all his heart) this switch helped us create an income that allowed us to move to Costa Rica. But he started this new career at the wrong time -- 2006 and 2007, leading up to the market crash in 2008.
After a year of living our dream life in Costa Rica (2007-08), the real estate and stock market tanked. We lost our income, and eventually most of our investments, and had to sell our stuff just to buy tickets back to the states, so my husband could find work.
Borrowing money to get on our feet again, we'd had more than one person tell us, "Welcome back to reality."
We were devestated, embarrassed and dejected. We'd gone off preaching, "Follow your heart! Live your dream! Don't stick with the status quo!" And now here we were, living in a small apartment while my husband worked as a waiter to provide for us.
Even worse, we'd racked up lots of business debt and we were worse off financially than we'd ever been. Debt collectors were after us, but we had nothing left -- we'd reached bottom. It was humble pie.