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So let's take it straight to the phone lines, Ken, where we have Jay in Atlanta, Georgia.

What's up, Jay?

So my wife and I are debt-free other than our home, and recently my grandmother passed and left us a small inheritance.

It's about after-taxes, roughly $70,000. Her wish, her wishes were that she wanted to leave her legacy with going towards our children's education.

I have a sixth grader and a third grader.

We've been funding their college funds since the beginning.

My sixth grader has roughly $75,000 in his.

My third grader, she has roughly $60,000 in hers.

Wow. Good job. And the question is, though,

would we be better off, I mean, I want to honor my grandmother's wishes, but will we be better off paying down our house that's the last debt we have? That's kind of where we're at in the baby

steps trying to get the house paid off. Yeah. So did your grandmother, she clearly didn't know that

you had college covered when she said

this in the will is the guess, right?

Well, I don't know if I have college covered.

I guess that's my, the secondary question, like, when is it enough?

You know, like, when do you have enough in their college funds?

We're continuing to contribute to their college fund every month as part of our budget.

Have you played it out to see what it will be when they reach 18? for each of them, maybe potentially more, I think, but kids will continue to contribute. But I, so if that's enough, then if we're already in the good, and then again, I know education

class could change. I get all the other. Well, there's charts out there. There's charts out

where you can play it out and see. So let's, let's put some real meat on the skeleton. So let's

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