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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Early 40s family with two elementary school kids making an HHI of $300 to $350k (3 years ago we were at 150k). We are saving reasonably well but seeking input on whether we need to recalibrate as I am worried about college...

Mortgage $600k @3.7%
529s - $25k and saving $700 per month
HYSA - $30k and saving $1000 per month 
Retirement - $70-75k per year with balances around $700k
Student debt - 10k and paying $325 per month

I don't really have room to save too much more as [b]our mortgage takes a big chunk of net pay[/b]. Should we keep going with retirement or divert some of that to college? 
[/quote]

How?  600k at 3.7% is about $2750.  Even with another $1000 for taxes and insurance it shouldn't be a "big chunk" of your net.[/quote]

The OP also missed the opportunity to save as income increase, without playing "keep up with the joneses".  You had a $150-200K increase in income in last 3 years. What have you been doing with all of it?  If anything, your kids are now in school FT so daycare costs should be lower (not 0 but definately lower).  You need to find where all the extra $$ is going and stop "wasting" it if you want to fund retirement and college properly.

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