Well, LA has TOPS ... who knows if it'll be around when your kids are in need of it though. And yes, they're getting a good education but I've found that schools are getting stingy with scholarships (I have a senior at LSU .. and fyi, ULL was WAY more generous than LSU with an offer).
We have a 529 and haven't used a penny yet for this first kid. He did well and had random small scholarships that helped and we've just paid the rest out of our normal money. #2 will probably need a good bit of it but by the time #3 comes, she'll be the only 1 left and our home will be paid for so I'm not as worried.
You're self employed? So are we. We max out the ROTH every year and put money into a SEP the years that we qualify. We max that out in qualifying years.
(eta: qualified expenses for 529 I'm understanding = tuition, fees, books, room/board, I was even told laptops (?)
This post was edited on 4/7 at 6:03 pm