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Both of my kids are now potty trained, which will save almost $100 a month in diapers!!!


I recommend putting that $100 into savings for their college. You've already got that money budgeted to them, so just reallocate it.

We did that when the kids got out of diapers and when they transitioned out of daycare, and with a bit more savings along the way, that was enough to put them through 4 years of college, for which I have one more payment left for DS.
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