Congratulations! After a year spent applying to colleges, your brilliant offspring has landed. Unfortunately, so has the tuition bill. Don’t panic — we’ve brought in financial aid expert Kelly Peeler to help you parse those maddeningly complex financial aid offers (and tell you how to negotiate for more). Then, Kelly and I turn to your questions on investing when starting your first adult job, medical school debt, target date funds, buying your first home and more. Thanks for the great questions. Please keep ’em coming!