It would provide tax deductible interest if she needed to make a withdrawal, it would force her to pay it back, and that would discourage her from using it unless it's absolutely necessary, ... If she tries to save up in a savings account, something will always come up.

210

There's always hope, ... Do the best you can with what you've got even if that means working longer or getting more aggressive in investments.

156

Ah, to be young and in love, in Southern California.

117