Anonymous
Post 01/21/2026 07:25     Subject: Re:How much to fund 529?
Anonymous wrote:
Anonymous wrote:The good colleges cost $100k a year. You are barely half way and only have a few years left. You are behind.

Keep putting money in the account!


I didn't have a 529. My son got into a Top 20 college. It costs around $60k per year. I contribute $24k, he takes $6k in student loans and the school gives him a $30k scholarship per year

Some of you are just insane spending all these money for a 4 years degree. Crazy.

Are you guys aware that universities provide scholarships? Just checking


Are you aware that many either easily have the money, have grandparents paying the bill, or have saved since their children were little to be able to afford $100k colleges for their children?
Anonymous
Post 01/21/2026 07:22     Subject: Re:How much to fund 529?
Anonymous wrote:
Anonymous wrote:The good colleges cost $100k a year. You are barely half way and only have a few years left. You are behind.

Keep putting money in the account!


+1

In what world is 200K enough? Esp since 529s can cover myriad university-related costs.


In state
Anonymous
Post 01/21/2026 07:17     Subject: Re:How much to fund 529?
Anonymous wrote:
Anonymous wrote:The good colleges cost $100k a year. You are barely half way and only have a few years left. You are behind.

Keep putting money in the account!


I didn't have a 529. My son got into a Top 20 college. It costs around $60k per year. I contribute $24k, he takes $6k in student loans and the school gives him a $30k scholarship per year

Some of you are just insane spending all these money for a 4 years degree. Crazy.

Are you guys aware that universities provide scholarships? Just checking


Top schools do not offer merit aid and many family's do not qualify for financial aid but don't have 80k a year in tuition.
Anonymous
Post 01/21/2026 07:07     Subject: Re:How much to fund 529?
Anonymous wrote:The good colleges cost $100k a year. You are barely half way and only have a few years left. You are behind.

Keep putting money in the account!


I didn't have a 529. My son got into a Top 20 college. It costs around $60k per year. I contribute $24k, he takes $6k in student loans and the school gives him a $30k scholarship per year

Some of you are just insane spending all these money for a 4 years degree. Crazy.

Are you guys aware that universities provide scholarships? Just checking
Anonymous
Post 01/21/2026 05:29     Subject: How much to fund 529?
Anonymous wrote:
Anonymous wrote:Our kids are on the other end. One of them went to a $90k+ school, the other received merrit aid at a less expensive school, and used the balance for grad school.

There's no such thing as too much, because you can always change the beneficiary - keep it your kid's name until they have kids - now you're funding generational wealth


Not everyone wants to do that. In fact, most people don't.


Not everyone is financially able to do that.

There, fixed it for you.
Anonymous
Post 01/21/2026 00:51     Subject: How much to fund 529?
Anonymous wrote:
Anonymous wrote:Our kids are on the other end. One of them went to a $90k+ school, the other received merrit aid at a less expensive school, and used the balance for grad school.

There's no such thing as too much, because you can always change the beneficiary - keep it your kid's name until they have kids - now you're funding generational wealth


Not everyone wants to do that. In fact, most people don't.


I suppose. Most people – such as yourself – are selfish and lazy and would rather buy themselves a mid-life crisis mobile or Mediterranean cruise than fund their grandchildren’s education.
Anonymous
Post 01/20/2026 23:20     Subject: How much to fund 529?
Anonymous wrote:Our kids are on the other end. One of them went to a $90k+ school, the other received merrit aid at a less expensive school, and used the balance for grad school.

There's no such thing as too much, because you can always change the beneficiary - keep it your kid's name until they have kids - now you're funding generational wealth


Not everyone wants to do that. In fact, most people don't.
Anonymous
Post 01/20/2026 22:18     Subject: How much to fund 529?
Our kids are on the other end. One of them went to a $90k+ school, the other received merrit aid at a less expensive school, and used the balance for grad school.

There's no such thing as too much, because you can always change the beneficiary - keep it your kid's name until they have kids - now you're funding generational wealth
Anonymous
Post 01/20/2026 21:59     Subject: Re:How much to fund 529?
Anonymous wrote:
Anonymous wrote:The good colleges cost $100k a year. You are barely half way and only have a few years left. You are behind.

Keep putting money in the account!


+1

In what world is 200K enough? Esp since 529s can cover myriad university-related costs.


The real world. In-state is around 120 for a lot of schools.
Anonymous
Post 01/20/2026 21:14     Subject: How much to fund 529?
Tricky question. I chose to fund it to the amount of my alma mater (not cheap). It reached that point in middle school, at which time I stopped contributing and switched from a very aggressive allocation to a conservative one.
Anonymous
Post 01/20/2026 20:43     Subject: Re:How much to fund 529?
Anonymous wrote:The good colleges cost $100k a year. You are barely half way and only have a few years left. You are behind.

Keep putting money in the account!


+1

In what world is 200K enough? Esp since 529s can cover myriad university-related costs.
Anonymous
Post 01/20/2026 20:31     Subject: How much to fund 529?
I thought $200k a kid was good. But as it turns out, college for Kid #1 (Freshman) will cost about $400k. So it goes.
Anonymous
Post 01/20/2026 19:52     Subject: Re:How much to fund 529?
Anonymous wrote:The good colleges cost $100k a year. You are barely half way and only have a few years left. You are behind.

Keep putting money in the account!


Waste of money.
Anonymous
Post 01/20/2026 19:08     Subject: Re:How much to fund 529?
The good colleges cost $100k a year. You are barely half way and only have a few years left. You are behind.

Keep putting money in the account!
Anonymous
Post 01/20/2026 19:00     Subject: How much to fund 529?
Depending on the schools your kids are looking at, I think 200k each is plenty. If it were us, not only would we stop contributing but we’d also redirect existing 529 funds to stable value.