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Wow! I didn't expect that much advice. More than appreciated. Yes, I am tracking spending, my SO and I are on the same page, and I will have to think about that college thing...Oh, and I do have a second job...THANKS!

Thanks! Thanks, folks. I appreciate it. I'm pissed that I started so late...that's why I'm trying to get my kids ready for it....

Hey! I'm 45, two daughters, one at NCSU and the other in HS. I figure I have 20 years to save before retiring at 65. Retirement assets about $50,000. Only debt is a $20,000 student loan (for my masters) and helping to pay for college. Any advice, any, would be appreciated. If more detail...