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Reply to "Anyone NOT have a 529 or other formal college savings account?"
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[quote=Anonymous]When our kids were little and money was tighter we focused on maxing out tax advantaged retirement first. My DH is old enough that we could tap retirement accounts without penalty when the kids got to college age. At some point in ES, we could save beyond the 401k/IRA and then started 529 plans for them. My parents also made a generous 529 contribution and we now can cover 4 years in-state from the 529s and can cash flow for something a bit more than that. Neither of my kids is a Harvard-caliber student but if there were we'd be willing to draw from our now-well-funded retirement to pay for that kind of dream school.[/quote]
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