<p>ncm, it looks like you cross posted with me saying that you were doing exactly what I advised – so that part’s good. I think you are on the right track.</p>
<p>However, there is another assumption in your post that I think you should address: do you expect that your parents will be supporting you and subsidizing through grad school or med school? Because that is a whole different thing than merely saving for “college”. I told my kids that I would support them for for 4 years of college, and that the 4 years had to be completed within a span of 5 years from the time they graduated from high school. So if they pursue advanced studies, they will be paying their own way. </p>
<p>So you definitely need to clarify that – families approach that issue in various ways, but it would be a big mistake for you to assume that your parents expect to support you beyond the point where you’ve earned a bachelors degree.</p>