KML, I understand what Dave is saying. To save that much could take two or more years and D12 is six years from college. So I'm taking a calculated risk and deviating from that part of the plan.

I hope to have the car paid off in six months and then I'll just be down to a 401(k) loan and then I'll be able to aggressively save AND put money into the college funds.

On the career side, I'm in about as strong a position as I can be. The only way I'm out is if the business closes. I'm trying to prepare for the future though by training in web analytics.

Me: 47, Ds 17-13, D final 6-11
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