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[quote=Anonymous][quote=Anonymous]OMG, I looked at the Vanguard cost calculator and it's a little shocking, it says to pay full in state tuition, room, and board for two kids we need to be saving almost $900 more a month. We have about $1000-1500 disposable income per month (for stuff like clothes, kid activities and entertainment, school supplies, home repairs and goods, donations, etc), there's no way we could eliminate all but $100 of that. I don't think we're massively overspending on an HHI of $150k, we're saving 1/3 of it for retirement and take home less than 50%, it's just a lot of money! At least we know we can cash flow part of it since we're paying for day care now, but i am not sure we can do 100%, especially if my kids aren't interested in state schools. 
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Funnel 80-90% of the daycare savings into 529s once the kids are done with daycare   You have been able to afford it for now, so just redirect where it goes in your budget.  And assume that once kids are college age, you might be making more and can use some to help cash flow $5-8k/year when they are in college.

Obviously don't stop funding retirement, as that is more important. [/quote]

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