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[quote=Anonymous][quote=Anonymous][quote=Anonymous]So you spend an average of $2300/month for two elementary kids? Yeah, that’s a lot. You have good savings. I would make sure you have 12 months of an emergency fund and then invest the rest. And yeah, you need to start putting money in 529s. Also, what do you guys do that you don’t get paid more? [/quote] OP here. I feel more worrying and uncertainty under Trump rule these coming few years, so I don't know what to invest. Stock market has been rumored to be crashed one day. Where to invest? It was DH's ideas not to do any for 529 for our 2 children. What are 529 rule for MD now? What happens to MD 529 if kids do not go to any colleges in MD? I don't know how much we need for retirement if we are in mid-40s. Our current jobs are stable. If we change job, we may earn a lot more. I don't trust current job market since I hear of many stories. I have no desire to change my job, so does DH.[/quote] You need to do more basic research. There’s nothing that says you have to use 529s for in-state. And there’s plenty of info out there on low risk investing. I know you aren’t originally born here, but there’s plenty of information out there. And no job is stable. [/quote]
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