Help is needed.
My wife and I have done well reducing expenses, and we're getting reallllly close to a more mustachian lifestyle. in fact, I just started another thread this morning touting how we're close to living off of only one of our incomes.
however the evil advertisement bug has bitten my betrothed, and she wants to send our loving daughter to yet another premium priced daycare facility (twice the price of the one we just switched to as we moved).
I'm trying to explain to her that we can use that extra $500/month we're slated to save by going to this cheaper daycare to pay off our HAIR ON FIRE student loans, which absolutely need to go. between the two of us we have about $100k in student loan debt.
now, we're lucky: we both have good jobs, and my wife;s parents are rich for lack of a better word. They give us the max gift exemption every year in cash ($14,000) because it helps lower their tax bracket.
I'm trying with all my might to explain to her that between that extra $500/month, the regular principal payment, and putting some or all of that yearly 14k gift toward student loans will make them evaporate in 3-5 years easily. She is convinced that we'll have that debt forever, and changing our lifestyle to try and pay it off is stupid.
I've showed her the numbers, how paying off the Student loans is like giving our household a 15k/year raise, even told her that Its more important we do things with our child than to pay someone a premium to do that same shit.
any ideas on how to push her more toward the aggressive loan payoff?