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[quote=Anonymous][quote=Anonymous]OP,

First off, Since you are new to the board, a bit of advice:

1. Ignore the trolls
2. Ignore the trolls
3. Ignore the trolls.

Responding to trolls just gives them doses of dopamine via the attention. It’s all about them highjacking your post and getting you to engage with them. Acknowledge the kindness but never address the trolly puppet people.

Secondly, while I get that you’d like to front load college planning, the best advice I’ve seen here is to start a 529. Rules change. Deal with them as you get closer (3-4 years out) as you have enough on your plate right now. How do you eat an elephant , one bite at a time.

With the current pandemic , your ex may be a non-factor in ten years , for many reasons. Focus on your kids having the most authentic, quality, and genuine experiences now.

[/quote]

Where have the trolls been in this thread?  Just because people have given OP an answer she didn't like and explained why the system as it exists -- rather than what she would like -- makes a lot of sense, doesn't make them trolls.

It's crazy how that term has expanded to encompass anyone who you disagree with or provides an answer you don't like.[/quote]

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