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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]We’re you not making over $150,000 until very recently? If you didn’t want to save for college, then you either need to take parent plus loans or look at less expensive schools. [/quote]

No, we’ve been making quite a bit more than this for some time. We have clearly underfunded our 529. Too late to fix it now and, honestly, we didn’t realize until just a year or two ago that many colleges don’t offer merit-only-based scholarships. There must also be a demonstrated financial need. DH grew up dirt poor and received a full scholarship to a T20 school and then a full ride after through to a Ph.D. I went to a cheap in-state school.

But…we ran multiple college financial aid net price calculators and even with our below-par 529 balances, we’re told our net price is whatever the college charges and that our affordability is more than double the actual $80K cost. So, sure seems like the colleges think we can easily afford to send our kids there. Just wondering what levers they’re expecting us to pull?[/quote]

Your [b]BASE [/b]is $400k.  You make an additional $40k in RSUs and ISOs a year, and can earn another $60k in bonus on top of that.  So the real question is where is all of your money going?  How is it possible you only have $150k in non-retirement accounts?  Why do you think you need some hidden lever to pay for your kids?  I'd be fascinated to see your budget, though I doubt you'd offer it up.  $500k/year, one house, mortgage of $530k, and somehow you have no idea where to find money for college.  It's like a parody of DCUM cluelessness.[/quote]

OP here. The ISOs and RSUs are pretty recent and associated with a new job, so we don’t know how these will pan out and very little has been accumulated so far. We dump a lot into retirement and building home equity, but only recently started contributing to taxable brokerage accounts. We must spend too much on travel and other discretionary items, so perhaps there is a lot that can be cut in these areas to cover some of the cash flow. [/quote]

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