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[quote=Anonymous][quote=Anonymous][quote=Anonymous]With 3 kids you want to fully fund, I’d put it all in 529’s. [/quote]

[/quote]

"You may have read that you can contribute as much as $75,000 to a 529 plan without incurring gift taxes. This is absolutely true, as long as your contribution is at least $15,000 and you spread it over a five-year period. The amount will be pro-rated over the next five years, so if you deposit $50,000 it will be applied as $10,000 each year, leaving you with $5,000 in unused annual exclusion."

https://www.savingforcollege.com/article/how-much-can-you-contribute-to-a-529-plan

I'd divide the money up into thirds and put a third in each 529.

Otherwise, do you have a mortgage? It might not be popular on DCUM, but I would pay off my mortgage, or at least put a lump sum towards the principle and then have the mortgage recast to lower my monthly payments. We want to be mortgage-free before our first DC enters college so that we can cash flow some of the tuition.[/quote]

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