Dear Dave,

My husband wants to leave his job next year. He wants to go back to school full-time and finish his degree. It wouldn’t take him long to complete his studies, and we’ve both agreed it’s the best thing to do for our family. The only drawback is once he begins school, our yearly income will fall from $100,000 to about $50,000. The good news is we’ll have his veteran’s stipend and tuition assistance from my job to help pay for things. During all this, once we complete Baby Step 3, should we move on the Baby Step 4, or keep saving?

Courtney

Dear Courtney,

As long as you two are completely in agreement about this plan, and you’re willing to save like crazy for the next year and beyond, I think it makes sense. But listen carefully to this next part. You’re going to have some unexp

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