Rgr, I appreciate the advice Drilldo. It is most welcome. We are not in a "hurry" to have kids so to speak. We would love to have one. But it is a good thing that we do not have one right now so we can "aggressivly" attack my student loans and such as you pointed out. I just get the feeling that sometimes we're going to be hte old gun guy and cat lady with no kids/grandkids and die with no one noticing, etc.. lol.

Anyways, I'll enjoy life a lot more once our loans are paid off! And biologically, I supposed we still do have plenty of "time" left, so to speak.