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[quote=Anonymous][quote=Anonymous]OP what do you mean by roth IRAs? can you move money from 529s to roths once the children have earned income?[/quote]

35k per kid and account has to be a certain amount of time old https://www.schwab.com/learn/story/529-to-roth-ira-rollovers-what-to-know

OP here. We are not rich but UMC. HHI was about 175 or 200k when dc1 was born, now about 300k. The key was frontloading, we got some extra income every yr starting when dc1 was born and just socked it away consistently. Lucked out with the low interest rate on the house. The market had a good run too. Were able to cover retirement, childcare, and donate 10% to charity. However, it wouldn’t be possible if we carried student debt and we are fortunate to have avoided that thanks to scholarships, working, etc. Since I have no idea if our kids can get the type of merit aid that I got, wanted to set them up for education at least. I guess we sort of lucked out bc we didn’t really travel with little babies and then the pandemic hit so didn’t spend $ on travel until more recently.

I also am glad we got out of target funds in Virginia 529. Those were not so great and it took a yr or two to realize that.[/quote]

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