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Today's question comes from Ariana in Maryland.

My husband and I are on baby steps 4 through 6.

Our children are 11, 9, 4 and 3.

We've been putting around $1,000 a month into their 529s, but much more into the 11 and

9-year-olds since they will be going to college sooner.

However, I was wondering if it would be smarter to put more money into the younger 2 children's

529s since there's a lot more time for that money to grow.

We've told our kids we will cover the cost of in-state tuition in full and don't want them

taking out any loans.

I like that.

Our annual income is $350,000 a year.

We have $315k left on our mortgage and we hope to pay it off in the next 5 years.

We currently pay $2,500 a month in childcare for the 2 younger kids, so I'm thinking we

could cashflow college for the oldest 2 even if we have a little left on the mortgage.

That's a great question.

There's a lot to unpack there.

I'm doing a good job.

Yeah, and they've got great income, so that's awesome.

I love that they've already put that line in the stand that loans earn an option.

I think the biggest thing right now is just getting super tactical and getting a really

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