Dear Quentin, My mom passed away, and left me her house, which I just sold and will net $250,000. I’m 41 years old with no real retirement savings. I make $80,000 a year, and I am maxing out contributions to my employer-matching retirement account. I own my car, pay off my credit cards in full every month, and my only real debt is $220,000 in federally funded, consolidated school loans. (I only took out $100,000, and have been making income-based repayments for 13 years).
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