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[quote=Anonymous]OP, I think I know how you feel. I will get flamed but I too would advise you to cut down on savings. Definitely no retirement savings for H until he gets back on his feet. And college savings reduce the chances of getting a need based scholarship. Stock up some cash/make investments for a rainy day but don't overthink this. Yes you may not be able to afford retirement in a fancy community, but you won't starve and you won't be homeless. If you concentrate on keeping a healthy mind in a healthy body, I am sure you won't be a burden on your kid or kids. I would not have a second child but that's just me. I am sure you will be able to afford a second child once the older one is in K.[/quote]
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