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[quote=Anonymous][quote=Anonymous]Both retirement and college are foreseeable expenses.

If you have the $ to pay full-freight at a pricey private college, you won't actually be making the choice for those 4 years: you have been making the choice all along by spending $ on other things (expensive house? expensive travel? expensive clothing? expensive cars?) instead of saving for either retirement or college or both.

As someone who lives below their means and is paying the extra $ for a pricey college for one kid after saving enough for in-state in a 529, we were able to make this choice because we could spare the extra income (which had been going in to extra savings/investments) for those 4 years.   Had we been spending to our income limit all those years, we would not be able to do so.  [/quote]

Your two paragraphs are contradictory. On the first you say that if you can pay private college in full you’ve been splurging everywhere, and then when you talk about yourself you say that you specifically can finance private because you live below your means. [/quote]

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