 you know, I'm not so sure about college anymore, not sure my kid or grandkid will go. The great news now is you can put money into a 529 plan, a great plan to save for college, have the money grow tax-free, be spent tax-free, but if your kid or grandkid chooses not to go to college, under certain rules, you can convert it tax-free into a Roth IRA for that child or grandchild. Phenomenal.