 you know budget myself i'm going to live frugally am i going to get a better job i'm going to go create some passive income how am i going to get the money that there will be money there when this child becomes of college age what do i need to do to have that money when it becomes necessary to have that money you will come up with a way you will have money for that kid when they get ready to go to college and you'll spend that 50 to 250 000 at a college giving somebody a job teaching your kid to read books when your kid gets out of college they'll spend 250 000