Also once you are tenure track you can potentially slack on the 403(b) contributor for the short term to build up money for a home downpayment and/or get student loan debt under control. Obviously you need to plan for retirement, but in our field we have the advantage of having income relatively late in life due to simply not retiring, chilling as emeritus, etc.
Basically at the end of the article where he can't declare bankruptcy because he makes too much says it all. Yes early career faculty can suck because suddenly you need a house, your undergrad student loans rear their ugly head, and you feel pressure because relative to both senior faculty and your friends who started working right out of undegrad you are poor and have weak savings, but you are not poor in the grand scheme of things.
Plus he mentions he was carrying balances on dozen of credit cards etc. Go to your school's credit union (your school either has one or partners with them), get a fixed interest loan, and clear your credit cards. Whereas many commercial banks won't give you unsecured loans for that purpose (since they want that sweet, sweet 18% APR off their Visa), school associated credit unions are often very open to giving such loans to faculty and staff. Often they'll even do it for grad students and postdocs.