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Thanks 25, this is great advice

Thanks and you are totally welcome and I do apologize for the diatribe on finance.

But there are many sites that you can google that will say "Roth IRA vs 401k" and answer these questions (k4, I have no idea where you were looking or what you typed in but I am overwhelmed by the amount of info out there)...it's all out there and as long as you are not getting biased advice (like the kind from people selling you "Living Trusts" or stocks or charging you fees,) then read up on it and make informed choices...
good luck,
J-

Kev,
You enjoy that Cowboys game as much as I did?

Jon, yes. 25, Thanks.

Kevin

Just a quick update. I took D7 Christmas and clothes shopping with me today. D12 didn't want to go. I got clothes for me and D7. I'd say I picked out some pretty smooth looking stuff. Need to revamp the wardrobe so I started doing just that. D7 needed some stuff so I took care of that. D7 has to get D12 a pair of pajamas for her Christmas present. Everybody drew names and we are going to give each other their pajamas on Friday. The whole family decided this and is doing it to save money and not put anyone on the spot. I didn't inquire with W other than to tell her I took care of it so she doesn't also do it.

Then I had to pay our auto insurance bill. I told W. She wanted to wait until Monday when she could depsosit money into her account. That struck me as odd because her checks get automatically deposited into her account. It also struck me as odd that she didn't have the money to pay her half of the insurance bill. Again, she makes almost twice what I make, and she didn't have the money to pay her half? Something isn't adding up there. I said it is already past due as it was due Thursday. I just went ahead and paid it and said we will work it out on Monday. I didn't hear back from her.

I am taking more of a role in getting things taken care of for my daughters without asking or relying on W. That is a step in the right direction. I really didn't want to do this, but I think I am going to have to separate the accounts. She seems to have plenty of money for her personal life, but none for bills and little for the kids lately. I'm not sure what is going on.

Kevin

The other thing is our Christmas tree looks so unprofessional. lol. But it does because I let the kids fully do it the way they wanted to. It would never fly with W. But I don't care. I love that they did it and it reflects their work. The effort by the kids is more important to me than the tree looking perfect.

Paid bills. Heading to bed. Good night all,

Kevin

Yep let them have fun with the tree. The kids (mine share a room) have a smaller tree in their room. I let them decorate it themselves, and just let it stay that way. They love it!

You should see our tree! We only have ornaments on the top half. Baby was taking them and either hiding them or breaking them.

GET THE ACCOUNTS SEPARATE! Then W can pay her own. She knows you will handle it.

Love them Cowboys!

Mine too. It's a hodge podge of noodley ornaments and nice stuff. All of my friends tell me to put all the kid stuff on another tree, but I think that sends a message that their stuff isn't good enough. Someday I'll have a Martha Stewart tree, but for now, I'll settle for noodles glued on constuction paper wreaths. lol

You are a good dad.

I totally cherish the handmade things my kids have done over the years. When we do the tree they always smile and laugh at the stuff they did so long ago.