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Reply to "Switching to a lower paying job"
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[quote=Anonymous][quote=Anonymous]OP here. Spouse makes $170k plus small bonus (maybe $5-10k a year), so this would be a big drop for us. We ran some numbers and spouse and I agreed that looking at the numbers, our deficit would be around $30k a year without me working. Hence, teaching job..[/quote] I'd suggest cutting expenses (and see if you like living like that), while doing that for 6-12 months, funnel all of your "extra income" into college for the kids. The older two should have about enough for in-state if you keep it in aggressive investments for now, but add $10-20K to each to be sure. But the 4 yo needs a good kick start for college. Then you can retire/work a PT time and not have the addition of needing to save for college [/quote]
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