I don't know that I can necessarily talk you down.....because I have a similar moment of panic at least twice a month. Then I remind myself that even people in high functioning marriages who have sound financial plans probably have moments where the retirement/college whammy seems intimidating.
Here's what I remind myself. I'm at a place in my life where my major expenses (car/ house) are unlikely to increase by any significant amount, but that my earnings (and those of STBX)should only continue to grow.
I guess this is one area where I am usually an optimist and frankly, I have a lot of faith in my ability to provide if the chips are down. My own goal is to get to the point where I don't need STBX's child support check each month to maintain our standard of living. With a few lucky breaks, I think I might get there in 4 years or so.
You're a smart lady Maybell - if you need to make something happen financially - you will.
