The thing is, we didn't think we were dealing with "that level" of kid until pretty recently, either.

She'd been coasting in spite of a 3y skip and pretty high levels of differentiation that we've worked hard to get her. At the same time, though, she seemed to be doing okay doing that. Until very recently when we started noticing signs of stress from lack of challenge again.

We have very little saved, either. We were saving, and then got told-- "You're not funding your retirement, and that's the goal you CAN realistically reach."

No way to max a 529 annually without me working, and no way to do that and get DD through K-12 with appropriate academics and reasonably safety. Besides, a 3y skip really takes a bite out of your compound interest.

Catch-22, but there it is.

Schrödinger's cat walks into a bar. And doesn't.