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[quote=Anonymous][quote=Anonymous]OP,

First off, Since you are new to the board, a bit of advice:

1. Ignore the trolls
2. Ignore the trolls
3. Ignore the trolls.

Responding to trolls just gives them doses of dopamine via the attention. It’s all about them highjacking your post and getting you to engage with them. Acknowledge the kindness but never address the trolly puppet people.

Secondly, while I get that you’d like to front load college planning, the best advice I’ve seen here is to start a 529. Rules change. Deal with them as you get closer (3-4 years out) as you have enough on your plate right now. How do you eat an elephant , one bite at a time.

With the current pandemic , your ex may be a non-factor in ten years , for many reasons. Focus on your kids having the most authentic, quality, and genuine experiences now.

[/quote]

Thanks for the advice on the trolls. Yeah, I didn't get it at first. They are bizarrely mean-spirited. I started to read through some other threads and the things they attack and criticize strangers about... it's just nuts! The irony being... elite colleges aren't looking for people who are non-collaborative and insulting. Let's hope they are not passing those qualities to their kids!

You've given really helpful advice and I'm grateful. While we have some financial challenges, we are lucky in many ways and we'll continue to work hard and figure things out![/quote]

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