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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]This is 22:07 -- also think hard about what[b] it will be like to be 65 with a child in college. [/b] There was an interesting piece in Slate or NYTimes or something a few weeks ago about being a child with older parents.  You can probably google it.[/quote]

Not the OP (and unlikely to be 65 with a child in college) but I really don't get what is the big deal with that combination. Why is it so much better to be in the midst of career when the kid is in college?[/quote]

I suspect it's because you may be retiring/reducing income when a huge expense arises?  [/quote]

Aren't you supposed to have saved for that already?[/quote]

It seems to me you can plan based on having the kid or not.  If your child goes to college while you are still working part of the expense can come from your income (like childcare/daycare costs come from your income).  If your child is going to be in college when you are retiring then you will need to plan for that.  assuming your plan includes paying for all/part of college. [/quote]

Right. But if your child is in college when you are older, you hare likely to have much higher savings, paid your mortgage etc. [b]Bottom line, old people have more money.[/b] In fact, financial aspect is the one that works for older parents. There are plenty which don't (health, energy etc) but money is not one of them.[/quote]

Doesn't always work that way. You can't possibly believe that all old people have a ton of money, can you?[/quote]

Since you are already ware that I can't possibly believe that nonsense, why are you suggesting that I actually do? Every statistics shows that, as a general rule, the older you are, the more money you have. On average, of course, with many exceptions. Older people have lived for longer and had more time to build careers and save money. Raising children when you are older is harder in many ways, but actually easier financially... In fact, that's why many people (perhaps foolishly but nevertheless accurately as far as facts are concerned) postpone having children.

The problem, if you want to call it that, is not college, but older age... for example, those who had young parents might still have their parents alive when they are in their forties and those parents might be willing to help them with mortgage etc. So there are financial advantages to that, but they happen later in life. However, during the part of life when children need their parents' financial support the most, it is the children of older parents that are at the advantage (so to speak).[/quote]

If you don't believe that, then you shouldn't say things like "Bottom line, old people have more money."  You are speaking from an upper-middle class skewed view of the world.  You are also assuming that people held off having kids to save up lots of money.  Some of us didn't have a choice about when to have kids due to a late marriage or infertility (which happens to cost thousands and thousands of dollars), not because we were saving up to be wealthy old people.[/quote]

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