What do you think about the couple's advisor suggesting that they use a line of credit to supplement their income?
The second this advisor said they will have to use a line of credit to supplement their income I immediately call bullshit. There's no reason for a couple making this much money and living within their means to take on debt like that. They should pay down their student loans faster, and reduce costs in other areas to save for their priorities, but with that kind of income they should be able to live within their means.