How does TMG Recs work for upcoming grad school?
So far we are step 5 in the FOO, HHI $140k (going to 90k when school starts).
Total cash $40k
Taxable in VOO $30k
$200k in Roth IRAs, 401k, and 403b, over 130k of this is in Roth
My wife got into PA School that costs 50k per year for 2+ years (120-130k total).
She is reapplying to another school that is in our area that is about 30k per year (about 70-80k total) , but if she doesn’t get in, then we are probably gonna just eat it and move in January and go to the pricier school.
What balance of cash, student loans or other methods do you think TMG would rec?
We are both 27
One other thing is that I’ve been actively managing my Roth and have averaged 20% CAGR since 2020, so it’s really hard for me to give up valuable Roth contributions, but also I don’t want a bunch of debt so..