CHAPTER FOURPAYBACK TIME

My wife Heather is the perfect illustration of the student loan crisis.

You may want to sit down for this.

As of January 2017, Heather had $211,694.20 in student debt. That’s right; Heather is the Millennial Problem and she wants you to know it. Before passing judgment (and wondering how she married a financial advisor), let’s examine how she got there.

Heather and I met during freshman year at the University of Florida. Aesthetically speaking, we were opposites: I, a clean-shave-and-polo-type guy from sunny South Florida, and she, a Birkenstocks-and-tie-dye-type girl from the Philadelphia area. Heather inherited approximately $120,000 from her late grandfather to fund her college education. She knew that this generous ...

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