<p>Back to the original question- Major sacrifices? I guess the definition of sacrifice varies with the user. Well, we knew that would have to save for our son’s college since we assumed we would not be eligible for grants, and being older parents, we did not want to start retirement with loans. Does making the decision to have only one child because of the expense of educating them count as a sacrifice? Some people might think that way. We think of it as a choice. Tuition at our state flagship was about the same as daycare for an infant. It was an early wake up call! (tuition is more than daycare now).We started saving for college when he was 6 months old.</p>