<p>Momzie is correct. I lot of families in the $100K range have moms who worked in the home when the kids were very young and only recently went back to work for wages. Many parents have been paying down their own loans long after their own kids were born. Even upper-middle income parents have to make choices, such as funding retirement accounts; sports, dance, music for their kids; some pay for private schools, etc. At the end of each month, you may have enough to put some into the college fund, but it won’t add up to $200K for each child.</p>