No use in berating you about how you could have gotten ready for it, because that time is here and you're dealing with it now. At least you have some decent money coming your way at the end.
Yeah, listening to/reading Dave Ramsey can be pretty helpful, though he is dead wrong every now and then. Makes you think about what is possible, and like you said....what do you really need. When you think about all the money people spend, how much of it is actually necessary? I think we just get lazy, get used to spending too much and the bills and lifestyle creeps up on you.
When I was furloughed, my spouse was also laid off. No airline jobs in sight, a baby and a toddler. Spouse took a menial part time job for $7/hr. Didn't want to go in debt, didn't want to borrow money from the parents, didn't want to go back into the reserves. We gave up just about everything....coffee, alcohol, air conditioning, using the dryer, all entertainment and eating out. Double coupons all the time. I don't look back on that time with despair, even though it was pretty miserable. I look at it and say, sure, we could do this again if we had to. It was possible. If I can give up coffee, you can make it through first year pay!