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Reply to "529 or Roth IRA?"
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[quote=Anonymous][quote=Anonymous]You can't take the Roth earnings out until retirement age which for me will be years after my kid needs it.[/quote] This is not accurate. You can withdraw Roth IRA funds (including gains, not just principal) without penalty for qualified education expenses. http://www.irs.gov/publications/p970/ch09.html There is a legitimate school of thought that this is a far superior way to save for college than a 529. The only thing that may hold you back are contribution limits.[/quote]
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