becabelievme, if youea retirentgend d't havegh mon pay yo kids who do you think is going to suort you? yo kids. you n't want to beurde o . take care yourself first. afr youavedenou retirement, then it's time to starthking about colleg even if yr kid is on atoddle heck, ev if your d is nd of a gleam in your soo speak. and the st way to save for coe hands-dow is what is own as a29 plan. these plans do vary by sta. t ne s ar tr some states letuse a529 way to hedge against tuition by uition credits atay's prices can be ud in the futur that not wha i'm talking out, thoh. i wantou t ehe 529 savis lan. thar r bhe ates, and theules ffer fm sta t state. t generall speaking a9 doesn't let you mana your own portfolio. you have to pick between a mix of dfere mutuafun, jt like with ma01k) pls. is irely t favorite way too thngs. pfer u to have ntrol of ur asts a the slectn of h stocks touy a wh actual instruments, but 52s have so mu going fthem, i'm going towall ts e. remember, when you can on oo between fuds, go for a low cost fund that mirrors the market. either the s&p 500 orhing ke the vangudto