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[quote=Anonymous][quote=Anonymous][quote=Anonymous]^NP here but would you feel differently if they refinanced the house and pulled out $150K and paid off the student loans?  Now, they have a $150K mortgage and no student loans.  IMHO cutting back at work with a $150K mortgage is more than reasonable.[/quote]

I am 11:38 replying - uh, no - refinance to make a sole $150k debt of the husband's a joint marital debt?

You can move the $150k around the balance sheet, but it's still on someone's balance sheet and has to be paid.

Husband was in school for 15 years and has worked all of 12.

Said it before and I'll say it again, if this couple both want this semi-retired lifestyle they need to sit down with a financial planner and figure out how to make it work.

[/quote]

PP here and I guess my point was that if OP had come on here and said all of the rest of their stats but instead of $150K in student loans they had $150K left on their mortgage I doubt there would be such an objection to the DH cutting back on hours.  I think they are in a place where he could cut back to working part time now. [/quote]

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