Gulp...you are good with the math! We travel back twice a year and we have to come back this summer for college visits. Today, I've working on creative ways to see schools and family on the east coast and get back to CA where we live. Looks like we'll be driving cross country and mooching off family whenever possible (not something we've been able to do in the last 12 years). That cuts the summer cost in half.After that, travel will be streamlined considerably. We've saved for college (to a greater extent) so we have to knock off that first loan fast so we can help with expenses if financial aid or loans doesn't cover everything.Thanks so much foolwizard. I needed a third person to see it...your vision is great. Yes, I'm getting a bit old for this living on the edge thing we have done all our lives.We have 15% employer contribution which we match at 15% so that is as good as we can do now until debt is paid and baby is on her own.You're good folk FW. I feel less kerfuffled! Liz
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