I don’t understand why just paying out of pocket is a problem if the family is so apparently wealthy? Why are you talking loans at all? Why are there car payments (650 is a big payment, I assume you got 0% financing but that is not free money, if that money is being shuffled into your brokerage, that is good math, but I don’t think that is the case as you just refer to retirement funds) and HELOC loans now, before kid is in uni, if the finances are so rosy?
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Right, which is confusing to me. You are poorer than you think. JMO. Did you say how much is in the 529? What kind of job is as safe as you think yours is? is it govt?