AGI is high because of pension and annuities

Agree with @blossom - falling in love with Duke is the easy bit

The hard bit is finding 2-3 affordable colleges that have your major that you would be OK going to.

@blossom or @thumper1 (I forget which, sorry) says to find ONE thing you love about each of these affordable safety schools.

My D is at one of her early acceptance affordable safeties because $$$. The thing(s) she loved: beautiful campus, personal tour, specialist lib arts prog in a big school, sunshine, wide range of people happy to be there.