For us the neato/nifty combination was a 529 account that more than doubled over the years, a lovely merit award and a campus job that is both an earning and learning experience. It sounds as though your kids are still a ways away from their college years, so if you don’t have a 529 started, now might be a good time. Terrible stock market right now, but starting at a low is a good idea if you have the time to allow it to go up again.
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