Reply to What do you consider a "fully funded 529"?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]#3[/quote]

DH wanted to include grad school.  I told him no.  If we've fully funded our retirements and have extra to share, then I will happily help with grad school.  Otherwise, I think it's reasonable to expect kids to self-finance, especially after graduating undergrad debt free.  [/quote]

Not trying to convince you otherwise, because I don't even know that when I have kids I will be able to/want to pay for their undergrad. My parents fully funded my undergrad (with assistance from gparents and grants/work study), and of course I am forever grateful, but now that I want to go to grad school, I am so risk/debt averse that I refuse to take out loans to do so... So I am stuck working and saving while delaying grad school. I wish my parents had evened it out more so that I could have used the $$ for both undergrad and grad but taking out smaller loans along the way. Having only a bachelor's does not open as many doors as it used to.[/quote]

I'm not sure why this would help.  If your total education expenditure, for undergrad and grad, was $200K, and your parents had a total of $100K to contribute, why would it matter when they did it?[/quote]

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