Thank you AC for going down the rabbit hole and educating yourself to make great low time preference moves for your family's future!

Many of us have people in our lives that reap the benefits of our financial discipline and our delayed gratification...also, we get our moxie stress tested every few years as well.

I'm sure she's appreciative of your efforts, and although she might not vocalize it, her actions demonstrate her commitment to you and your family, and you'll both enjoy a more prosperous life together because of your diligence.