TG, day care is that expensive, esp. in pricey places, esp. if you want quality. live-in is cheaper, if you’re ok with committing tax fraud and employing illegals, which may not be a good idea.

i’d put 0 in the college fund, make the kids borrow, all the money you save will displace grants. saving for college is a ripoff.

I would eat cheaper food. try generic gin, it’s good. and oatmeal. I can eat and get drunk for pennies a day.