Thanks 2gifts, I appreciate talking this out. The Sharebuilder accounts were primarily for them to be lifetime investors and learn about it early, unlike myself. only $300 or so in each. They each picked their own stock last year from MF Best Buys, so they are not exactly the same.I agree about the college fund vs. retirement and wish I had not even set it up now. I won't put any more in it, but will let grandparents know that it's there in case they want to donate instead of buying useless toys.Car has 185k and we will drive it until it dies. Then, get a used car with a low rate through our credit union. Can't see that we'll have enough cash, as you can see.Unfortunately, my wife works in a different school system, since jobs weren't available in ours when she went back. She did try that. It's a $182/wk. expense, and not any other options.We have reviewed every expense from last year, and have a budget based on that. I also do pay more than the minimums, but I listed the minimums. I pay $100 and $150 per month on the two with high %. Still seems like we'll never get out because each year something (car repair, house repair, medical bills) comes up, so I thought I would ask the MF Intelligencia if it made sense to have an investment sitting there, with all of this debt sitting here. I was thinking it may make more sense to pay debt as much as possible, then start investing in chunks again, and having all interest working for me, rather than against me. The answer seems to be; just keep on keepin' on.
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