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Dear Liz: I’m 47, married, with one adolescent in clandestine elementary academy because the accessible academy advantage for our adjacency is not good. We acquire a accumulated $260,000 per year. (We apperceive we’re fortunate, as we appear from lower-income circumstances). I’ve alone all of my acclaim agenda debt and owe alone mortgage debt ($168,000 additional $30,000 on a band of acclaim acclimated for remodeling). Our home is account about $350,000 and the appointed mortgage adjustment is about 25 years from now.

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