Y'all are great!
I have a different co-worker that I'm dragging along with me also. She's 20 years old with minimal student loans (less than $2,000) and no other debt. She can have soooo much money for retirement, so I hope that she gets just that ONE thing out of the class, it will be worth it for her!
We are driving to Montana tomorrow morning. Wish me luck and send good vibes so that Murphy doesn't follow us to the wedding. I have my "wedding" envelopes in my purse and ready to go!