Should you have a third child? And how can you help your kids graduate college debt-free? In this episode, we explore one of life’s most personal decisions: whether to grow your family. We walk through a thoughtful 7-step framework to help you and your partner decide if a third child is right for you—covering emotional readiness, relationship strength, finances, and the value of time. Then, we’re joined by educator and author Shelley Branine to talk about how families can avoid student loan debt. We dive into why college costs have skyrocketed and how strategies like dual enrollment can help students earn college credits in high school—often at little to no cost. If you’re thinking about expanding your family or planning for your child’s education, this episode will give you clarity, confidence, and practical next steps. Resources and Links 📚 📖My new book, "Own Your Time" https://marriagekidsandmoney.com/ownyourtimeamazon 📞Voicemail for Questions: Leave a voicemail at marriagekidsmoney.com/voicemail to have your question answered on the show! 💻 Sponsors and Additional Resources https://marriagekidsandmoney.com/resources 👉Connect with me on social media: LinkedIn: AndyHillMKM Instagram: MarriageKidsAndMoney CREDITS Editor: Johnny Sohl Podcast Support: Michelle Ahmed Learn more about your ad choices. Visit megaphone.fm/adchoices