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[quote=Anonymous]OP, I'm not going to lecture you like others.  A couple thoughts, though.  I would max out your 401k.  I know you feel like you can't, but its before tax money, so the hit is not as big as you think it is.  That would be my #1 priority.

For there 529s, start one if you don't have one already.  Direct pay from your paycheck.  Even if it's $50, it's something.  We did that (it was more than $50, but it works).  Put any tax refunds or other "found" money (that's what I call the random reimbursement checks from health insurance, etc. that come in the mail) into the 529, even if it's $5. It's daunting, but you don't have to save enough to pay for all kids all the way through college.  You will be able to pay something out of your earnings, you can get loans, and one may choose not to go to college.  You just need as much as you can to offset the expenses.

Instead of being paralyzed, take action and do what you can.  I'm sure there are a couple small things you could target that would add up.  Even if you put an extra $50 a month in, it builds over time.  [/quote]

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