<p>Itstoomuch of a very big bet for most people to fund college 18-22 years in advance.
Itstoomuch for prospective parents to calculate ovulation with the biological clock ticking away. </p>
<p>Personally we did a lot of planning and evaluation. We were off by 24% when calculated on expected vs final published cost. There are a lot of variables with luck, faith and ignorance playing significant roles. A lot of sleepless nights after 911.</p>