u/ZetterZiaur2464

I’m trying to figure out if refinancing my dental school loans actually makes sense when the balance is still pretty large. I still have a lot of student debt from dental school, and the interest adds up faster than I’d like. I’m wondering if refinancing could lower my monthly payment or save me a decent amount in interest without creating other problems down the road.

I’ve looked at a few refinance options, but it’s hard to tell whether the savings are actually worth giving up the benefits of federal loans.

For anyone who has done this with a large dental school loan balance, was refinancing worth it for you?

My wife and I have been married for 12 years, and if there's one thing that changed our relationship for the better, it's making time to talk for a few minutes before bed no matter how busy the day was.

We both work, have kids, and some days we're completely drained. There were stretches where we'd only talk about bills, school schedules, or who was picking up groceries. It started to feel like we were running a household instead of being a couple.

A few years ago we made a simple rule. Before going to sleep, we put our phones down and spend about 10 or 15 minutes talking. Sometimes it's about something funny that happened during the day, sometimes it's about stress at work, and sometimes we just sit there and laugh about old memories. It doesn't have to be deep every night, but it reminds us we're still on the same team.

It sounds like such a small thing, but over time it made a much bigger difference than any big anniversary trip or expensive date night ever did.

For those who've been married 10 years or longer, what's one habit that ended up making your marriage stronger?

My son starting kindergarten was such a big emotional moment for both of us. I thought the hardest part would be him learning new things, but I was surprised that his biggest adjustment was getting used to being away from home for so many hours and following a completely new routine. The first few weeks he would come home tired and tell me little stories about how he missed our usual mornings together, but slowly he started making friends and getting excited about school. It made me realize how big of a change kindergarten is for kids, even when they seem ready. What was the biggest adjustment your child faced when they started kindergarten?