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Originally Posted by pearlieq
college fund needs to be pretty low on the priority list. When college time comes around, there are tons of options to cut costs and to get financing. There are no loans or grants for retirement!
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I totally agree. Right now, you have monthly loan payments or over $700/month, not counting whatever you pay on the mobile home.
Your first priority should be getting out of debt and establishing a good emergency fund. Then to increase your retirement savings. Putting away 4% is a great start, but there is no way you will accumulate enough at that rate to retire comfortably.
I'd forget about college savings for now.