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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Op here. Sorry for going off topic. We don’t really do much financial planning but we are financially responsible by living within our means and have a general big picture sense of what to do.

If you want actual numbers, I think student loan interest was 2.8% and mortgage was 2.95%. If we decide to pay down the student debt, that means DH will need to work full time for 5 extra years. And since we still haven’t even half funded our kids college or our retirement, realistically speaking, I’m realizing now that DH will probably need to work full time for at least another 15 years. Unless I find some really lucrative career and go full time, which probably won’t happen.

Time to break the bad news to DH...

.[/quote]

You are realizing this now?[/quote]

He only said recently that he would like to go part time. I didn’t work out the numbers til now. I spoke to him tonight about it and told him the only way he could go part time is if he were to pay off the student debt, we downsized, and drastically cut our expenses. So he said let’s start looking at smaller homes. Not how I wanted that to go. But I guess that is a viable option for us if we are willing to move.[/quote]

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