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They've graduated over 18 months ago.

They're both smart, both attorneys. Both hardworking. However, we really counselled my sister to enter the business world, where she'd blow away senior partner money easily. She insisted on law. Her husband is a good guy, and will be a good lawyer...but his upbringing lacks the "go get em" mentality, or greed if you will.

They made some wrong career moves early on, some of it not their fault, long story...which is why they've not built up a bank. They've got about $15,000 in bank, plus they max 401k contributions.

We've watched them live together, and their budgeting and responsiblity is great. ZERO credit card debt, NO frills whatsoever. The big mortgage will only make budgeting tighter....but will ALSO "kick him in the butt" to be more ambitious, and while my sister is very smart, has a great future ahead of her...a continued austere lifestyle will force her ego to accept more new ideas, career alternatives, etc etc etc.

Thanks! Jedi
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