Hi runchman,
Your story sounds familiar. My wife died in an accident at 48. My kids were about to start their first and second year of college, so I didn't have them there with me. I had run some of the life insurance calculators before my daughter started college to make sure my wife was set up for their college financially if I died. What the calculators told me was that we needed more insurance on my wife! I upped her insurance and it turned out to help get my kids through college, although in my plan I was the one who the family needed to be able to get along without. You just don't know how it is going to work out.
You are doing a much better job than I through the first year and a half. Congratulations and good luck in your retirement.
Hermit
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