That passive income I never touch saving it for my for two cupcakes, once they go to college.
I had to put aside my educational stuff in the past and made sure the wifey finished hers first, her dreams were more important and she was number 1. Did everything I can.
Now that I made her a princess, I can take it slow. years of working and taking care of lot of stuff, need to relax and take it slow now 
I just wanted to know options, I do read every post and make a comparison
The advice everyone gives is helpful.