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I don’t think you should feel the least bit apologetic about the choices you are making for you and your children. No one really knows what someone else’s financial situation is, and none of us can predict the future. It’s just responsible of you to be cautious. I think it’s different for people with secure employment and life insurance – then maybe one can take a little more risk with taking on debt for a child’s education. But in your situation – self employed single parent – you’re just smart. JMHO.</p>