Nicole Lapin

Some of that is speculative.

I did IVF.

It's no fun.

But I know how how deeply personal that is.

So if it's something that you.

feel like you need to do, then, you know, there are a lot of ways to get out of debt.

And it's a problem you can deal with later.

Yeah, because I think when you think about there's two ways that you spend money, right, on impressing other people, consumption, and experiences.

And there's no greater experience, obviously, than having a family.

And if that's deeply, deeply personal to you, like who the hell am I to put a bad paddle up?

I would say... It really... It depends if you do the math, if you know the opportunity cost, if you really think that it's going to yield a higher return over time.

But likely...

I don't know where people that have hired went to college.

I don't think anyone knows where I went to college or cares.

Yeah.

No.

Going into debt yourself, always put your oxygen mask on first.

They can get student loans.

You can't get a loan for your retirement.

So when parents will say, well, I'm saving for my kids' education and that's so lovely and I get that as a parent, but only after you've taken care of yourself first.