Yes have grants sorted,Have you applied to SUSI to see if you are entitled to any grants for the kids?
Yes the 433 is incomeI am not sure you can afford to pay for your children to go to college from you income but you can from your savings.
You have an income of €3000 per month + ~€350 pm from rent income after tax etc.
Mortgage €950 pm
Loan 250 pm
Health Ins €250 pm
Stablecoins €433 pm. - is this income?
Life insurance €140 pm
Which leaves €1327 pm for food, heating, phones, car tax, insurance, electricity, clothes, etc. So are you living beyond your means?
Assets
€50K savings
€150K rental house
€40K in stable coins
€185K DC pension
At 20 & 21 I am guessing your children are already in university, so €3000 fees each and €11K-€14K for living away from home per annum.
Why do you have a personal loan at all? What financial issue made you decide you needed a personal loan rather than use your savings?
I would use the €90K in savings to pay off mortgage and personal loans.
Then I would use the €66K left to pay for the college education leaving €21K in saving (more than 6 months income which should be adequate) in a couple of years time.
After that concentrate on building a pension for yourself & spouse.
Surely not guaranteed income?Yes the 433 is income
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