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Message: [QUOTE="upstater, post: 5283519, member: 153"] Is anyone like me, 56, 2 kids still in High School? My oldest is heading off to college next year, and my youngest will be a junior in HS this fall. So, she'll graduate in 2031, at which time I'll be 63. I imagine I'll be drawing on some equity accounts to pay off their tuition, and so I'll need another few years to pay that off. In other words, people who had kids between the ages of 35-40 can only dream of retiring at 55 unless they are well, well, well above upper middle class. [/QUOTE]