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[quote=Anonymous]OP - with public school not being an option for you  - I honestly don't see how you can possibly put away enough to make up for the time your DH was unemployed, much less stay ahead of the 8 ball throughout your life.

I know you've said a few times already that public is not an option but without getting annoyed here, you really need to think about the fact that you are SERIOUSLY jeopardizing your and your DH's future. When you guys are in your 60s and wanting to retire you won't be even close to being able to do that without changing your current lifestyle NOW.   No one is going to be around to take care of you in your aging years and you don't want to be forced to become a Walmart greeter to make ends meet.

$280K is a nice HHI, even in these parts.  And the expenses you listed are quite low for your HHI - so you're doing really great in that aspect. But that private school $6K a month is crazy to me and not money well-spent as you can actually farm out various parts of your childrens' therapies and educational requirements for half that - if you were open enough to the idea.   I know what I'm talking about because I have a DS with moderate LDs and ADHD.  He's 11 and he is getting tons of services via his IEP in our Bethesda public. When he was first diagnosed I would hear nothing of public school...he HAD to go to private, Then we I looked at our budget (our HHI at that time was $250K) and how meager our lifestyles would become (we already lived pretty conservatively - one local beach vacation a year. eating out twice a month maybe. no house hold help. no fancy perks) not just meager but dangerously teetering on financial insecurity I had to get a grip and realize that that we live in a terrific school district that would offer my DS a very robust IEP, coupled with the fact that I hired a private tutor to make up for those gaps.  His tutor costs us about $8K a year, a far cry from the $35K-$40K private would be.

All that said, get thee to a trusted financial advisor right away to get this sorted out.  Perhaps an annuity with grntd income in retirement is all you can count on at this point if you are unwilling to budge on that big $6K expenditure.

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