Do you remember when you graduated from school?

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Do you remember when you were in elementary school, and there always was that guy who was accustomed to being metaphorically on top, then suddenly he started losing his spot?

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Remember when you were in school and the world was laid out before you and you thought you could do anything you set your mind to?

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Do you remember those playground days, when the grade school rumor mill churned violently any time a girl and a boy were spotted together in the sandbox?

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You could do a Roth conversion early (when your oldest is a sophomore in high school), and get a modest college aid benefit from the move.

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