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@s2242 Another option is contacting your lender directly. They may be able to offer you a better repayment than the automated system. I pay $50/month on my student loans and my husband pays $75/month even though he owes a ton because he called and asked.

@s2242 We are at 68k combined both working full time, but my husband has passive income and it kills us every year. I looked into filing separately and it unfortunately didn’t make any sense to do so. You can always ask a tax professional - but they charge about 300 to answer you unfortunately.

@s2242 You can only file separately if you have income, and the tax burden (amount you get back) will likely be more than the $120/month you would be paying. My husband and I have looked into it so many times and it only really makes sense if you both earn more than 80k/year.

@maverik379 I think you are probably over reacting. Unless the day care has tons of helper adults the best way to make sure as many kids are safe as possible during meal prep is to give them something to watch so they sit quietly and don't get into lots of things. It's a smart allocation of...