Reply to Theoretically, if you could have three kids each 10 years apart (so, for example, having the, at 24, 34 & 44) would you?

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Reply to "Theoretically, if you could have three kids each 10 years apart (so, for example, having the, at 24, 34 & 44) would you?"

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Oh hell no. You'd be parenting for like 50 years. Your kids would have weird relationships with each other. You'd be paying for college for two solid decades.

Though also, I should note -- I would never have 3 kids. Two tops, I have never, ever wanted 3 kids.[/quote]

I don’t understand why people think it matters *when* the kids are in college. Ideally you should be paying with a 529 (or scholarships) and not worrying at all about how to make the tuition payments when the time comes, assuming you’ve chosen affordable school. We just write out a check from the 529 every semester. No big deal.[/quote]

I like how you assume that all families have fully funded 529s for each of their children.

For us college is a dividing line. Once college is paid for, we get to make some adjustments to our finances. We have college savings but will also be paying out of pocket or a significant portion, because we will be at peak earnings during their college years plus have paid off the house, so college will be our primary expense during that time. Whereas when they were little, we weren't making as much plus had a mortgage and childcare costs.

So accounting for how we will pay for college features prominently into questions like when we will retire and how we will structure retirement savings. The idea of doing that three times over the course of 20 years sounds incredibly burdensome to me -- we'd have to be in a constant state of assessing finances to arrange those payments and then make adjustments to other finances as needed. I'd frankly rather send twins to college and have to figure it out all at once than stretch it out like that.[/quote]

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