you're listening to Ramsey every day millionaires where we talk retirement building wealth and outrageous generosity

Nick joins us up first in Birmingham Alabama Nick welcome to the Ramsey Show

Hey Joe Joe, how you all doing today? We're doing great how can we help?

Good well I real quick I just wanted to say that my wife and I paid off all of our student loans last year and

you know that's created so much positive momentum for us and we're gonna be paying off the house with them the next couple years and we don't regret it one bit.

Nice Nick. Glad to hear it Nick. Way to go man. How can we help today?

Yeah so kind of along the same lines I have a couple young kids and I've a five year old and a two year old and I was just curious with with these

these morons and Washington people making these student loans and people people on accepting them I guess a concern of mine is

tuition cost is going to skyrocket over the next 10-15 years and so I was just wondering if you had any feedback or advice on how to look at these five 29 planes in terms of how much do you contribute?

When is enough enough? This college even going to make sense in 15 years and just want to see if you've all had any feedback on that.

Yeah well the college discussion I mean it's an interesting one not just because of the news in the last 48 hours but also I think that there was there was conversations before that happens on what is college going to be the questions that you're asking Nick I think we all kind of far I'm like I don't know.

Future of education my kids are exactly your kids ages and I'll tell you my husband I still contribute to a five 29 for each of our three kids we're still doing the path because at the end of the day I'm like money invested in the apps if they

choose to go to college it's going to be there and we kind of will continue to check in on that throughout the years because it is going to be a lengthy process right still 10-15 years till that happens.

But I I mean there's a little bit of me I'm like it's a question mark of what education is going to look like what it's going to be like what the price is going to do is it going to continue to go up or is there going to be a huge

class for more culture and I mean what your kids will want to study and where they will want to go to school and honestly the trade routes has become even more popular.

You know even if you want to get into you know coding and make great money just got to go to code school and then you don't need a college degree so it's just fascinating I feel like what the

discussion is as a culture Nick but I I can just tell you what I'm doing we are continuing to fund a five 29 for our kids because I do think at the end of the day

if there is a question I think having a college degree having higher education I think it is a great thing and if I can provide the financial

assistance alongside my kids I am going to do that but I think it is I mean in all of us Ramsey personizing the kind of different various

opinions can probably say give it give a different answer than I would and Delone's got a different opinion on education and but yeah what do you think George I just think we can prepare for the future without

worrying about the future and a lot of people they're doing both and sometimes that means they're doing less preparing and more worrying and so the fact that you're even calling and

wondering about this at with a five and two year old makes me feel like all right Nick's got a game plan you're on track to pay off your house we're on track to

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