Re: post #23, @BunsenBurner (I would copy/paste but my ipad is misbehaving) - we don’t have $$$$$$$$ rent or $$$$$$$$ mortgage payments like they do, but I think we have had our share of expenses this year (wedding, car, tax payments, etc)!
That said, like @wis75, the s’s didn’t choose do go for advanced degrees (one s was applying for an MBA program when his dream job opportunity came through) so while their spouses have masters degrees, both s’s just have BS degrees. I have the PhD and DH has a masters, but DS’s fortunately have ended up, after a job change or 2, in situations that have been fortuitous and will hopefully have them on a comfortable path. Combo of hard work and luck.