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[quote=Anonymous]OP here. 9:39 these are good suggestions; when I downloaded mint.com I learned that I'm paying too much for car insurance. I'll look into this and probably switch this month. Re: cable, I'm trying a free month of Netflix streaming ($7.99/mo after that) to see if I like it better than cable, although I'd like  to keep cable for DD's nanny as the whole internet TV/netflix thing is confusing for her. Cell is pricey. I keep my whole life organized on my iphone so I'm going to keep it, but maybe examine my overall minute usage. I'm up for contract renewal anyway.

23:36 I realize that it's an overall net loss to pay off my loans early with a current interest rate of 2.875% rather than putting those extra payments into a fund earning 3-4%, but honestly the thought of educational debt hanging over my head in my 60's is depressing. I realize that's an emotional decision, but the smart docs I know banged out their loan in the first few years after residency and are thrilled they did. I'm starting a couple years later than those friends of mine, but it feels like the right thing to do.

9:24, I don't collect CS from dad. A significant age and income disparity exists, and at his age I wasn't ready for kids either (I occasionally post in the Parenting/special concerns forum so you may have read our story). I felt that pursuing child support would at best alienate him and at worst land us in court spending DD's college money on attorney fees, not to mention the damage it would do to his and my chances to become a team for DD. Now, he will need to have some skin in the game at some point, so as he stays involved and she starts preschool we'll re-evaluate. But the 529 contribution is a nice start, and importantly, wasn't at my urging. It seems that keeping DD and my home open to him has helped positively shape his feelings about the situation, so this is the approach I'd like to continue. I have an attorney should I need one, but if we can do this as friends who understand that this isn't about us, but about our child, then everyone wins (esp DD). [/quote]

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