My husband and I are 44 and 39 years old. I am currently paying on two student loans that will be paid off in late 1999. In four years the oldest will start college and I am clueless about how we are going to pay for it.
Many people live lives burdened by invisible feelings of entitlement, eg.
You and your husband may be in this trap. There are couples with half of your income who regularly save several times what you save. They can tell you where they spend their money and how much they have saved to meet a major goal. Your problem isn't income. I am not saying this to make you feel guilty.