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[quote=Anonymous]not looking for any sympathy. we made peace with this long ago.

inheritances hitting in these years are not unusual. I spoke to the FA office and said, "this is our retirement .. I'm not sure why you only are looking at tax-sheltered retirement. money is money" and the FA office actually said they've been looking into this as well. And then mentioned a lottery winner who literally had no other assets .. no home ownership, literally didn't even have a 401k, and having a windfall  that wasn't sheltered knocked them out of FA.. when other people have many millions in retirement and a couple million in a home and receive aid.

moving to a total asset base would be the workaround.  interesting iMO.

also, at our income, you can take money out of roth for college w/o penalties.  and some schools actually do think your home equity is on the table (looking at you, Georgetown)

We're fine. I'm not looking for sympathy. I dont' have any special feelings about any of these schools. plenty of good ones. [/quote]

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