Tom,

I look at it like this, finances always have a way of working out if you are willing to work them out. I "ditto" everything everyone else is saying here...go for the memories. Your children, especially the ones that are going through college, are over 18 and physically able, need to realize they have some responsibility here too.

As a young man that put myself through college, with parents that had the financial means to help me but didn't, I can say it can be done. Now I'm also of a mind that I will pay for college for my children...but circumstances happen. My 9 year old wanted to get a job to help us out when I went down and then my wife lost her job due to the economy. We went from making a healthy six figure income to making about a third of that in a matter of months...talk about a shock to the financial system! We've made it work...so make it work.

Good luck,

Eric