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[quote=Anonymous][quote=Anonymous]I am starting to think this is as a troll post. Every suggestion comes back with a response of how they've already done something. Seems unlikely at age 34 even for a prudent saver. The response about the kid having an obscure illness was the tip off.[/quote]

I can assure you I am not a troll!  Jeff can attest to that if you want!  Why are you surprised that in a post where I am wondering what to do about a big chunk of money that I have saved, that I have exhausted all of the really obvious answers such as roth ira and maxing out 401k?  The post about my child's illness was just answering the question- I can't have another child.

And I am not just a "prudent" saver, people in my family think DH and I are nuts.  We don't vacation, we don't buy luxuries of any sort, we DIY everything, our house is in a very modest area, all of our furniture is used, we don't eat out.  My birthday splurge was a $30 set of containers for my pantry (that I am very excited about).  A lot of people would be utterly miserable living the way we do, but it's just the way we are.  The money adds up!  It happens!  My real dilemma is how much to put in a 529, the last tax advantaged account available to me.[/quote]

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