<p>We are full pay, my sister’s family has real financial issues yet My niece’s FA awards are inadequate due to a small inheritance of her father’s. We are talking about 2 parents working a family income around $60,000, very little saved for retirement and very little home equity. They did not buy a house they couldn’t afford at least. Perhaps that inheritance should be used up, but then what cushion do they have for emergencies, retirement, etc…We pay for the “extras” for my nieces, and my husband plans to quietly give my college bound niece spending money for college but I can’t commit to paying part of her tuition. My husbands brother however has chosen not to work these last 9 years after being bought out of a business, he has 2 year old twins and is meeting with financial advisors to find ways to structure his portfolio to minimize his out of pocket future education costs and maximize the potential for financial aid. He called us up and told us we need to funnel our money into things like whole life insurance. I have to admit I was disgusted.</p>