Agree with that, although some don’t agree with me and I don’t agree with some, it is very valuable to find other people’s points of view, even if you don’t follow their advice.
For example, we are still going to use our HELOC to some extent to pay for college, but we are probably going to be more conservative than we would have been. And others decreased the amount of angst we’ve had over it.
CC is for kids and parents, but honestly my parents were SOOOO not involved in my college aspirations, and it seems now that parents MUST be involved or the child will suffer.