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[quote=Anonymous][quote=Anonymous][quote=Anonymous]How much do you have saved in 401k/IRAs? I didn't see that listed.  If you already have a lot, you could cut contributions (but don't give up an employer match).  You can probably also afford to cash flow a lot of the cost of college if you cut back on current expenses. $400k/year is quite a bit to work with.  [/quote]

DH and I both work full-time and have about $2.2M in 401K/IRA and $70K in an HSA. DH also has a pension from a previous job that will kick in at age 62 (maybe?) that is worth about $3200/month but not COLA. We’re mid-40s, so I think we could cut 401k contributions for a few years, as we have at lot being compounded already. This could free up maybe about $40K gross…don’t want to cut all and lose employer 401k match, though. [/quote]

You can definitely afford to cash flow college.  You're in great shape on retirement, so cut back contributions but don't lose the match.  With this added information, your situation looks much better for cash flowing college. Consider a postnup agreement with your DH that requires him to continue helping to pay his pro rata share of college tuition if you get divorced while kids are still in college. [/quote]

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