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[quote=Anonymous]You are spending a lot of money on after school care for a family whose parents are mostly WFH. I would stop that right now.
They are not too young to come home and have an after school routine that does not require heavy parental involvement. Just let the kids come home and they can get themselves a snack, do their homework, or play outside. They will understand that Dad needs to finish his workday and they are not to disturb him unless there is an emergency.

It’s also not the worst thing for kids to have an hour of screen time after school while their parent finishes their workday. 
My kids are now teens but this was the routine for years since I’ve been WFH.

Student loans are a bad plan for college. Interest rates are high, and there is less and less of a guarantee that kids will be able to get jobs that will help them afford these loans.

You really do need to stop spending stupid levels of money on kids after school care, and you can probably cut back on camp spending too. You need to put that money towards their college because odds are they will need it then, because even if cost increases slow down, they will still be high and there is a good chance that by then you or your spouse will experience career changes, layoffs and ageism, or be really tired of the rat race and not be able to keep going at that rate. Trust me, you do not want to be in a position of having to cash flow college or rely on student loans. Ask me how I know.[/quote]

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