college

Ideally, Baby Girl and any siblings she may have will be able to go to any college she wants, financed be dammed. Who knows if that will happen, but that is the goal. We have already started working towards this goal.

I don't understand parents who have the means, but don't save anything. I understand if there is no extra money to save, but what doesn't make sense to me is just not saving at all. Do these parents want their children to have student loans to pay until they are retired? Why would you choose that for your children? As long as you have it, how hard is it to put away $50 a month for your child's future? Granted, with no interest $50 a month for 18 years will only get you $10,800. But A) even in a simple savings account will get you some interest, however minuscule, and B) $10,800 is more than nothing. Most parents will not be able to save and pay for 4 years of college. But it's a worthy goal, and the overused trite saying fits perfectly here: Aim for the moon - even if you miss you'll still be among the stars.

So, in conclusion, start some sort of college fund for your children. Please. And thank you.