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Started By
Message
re: The wife and I made a difficult decision this weekend
Posted on 8/13/18 at 12:34 am to PrivatePublic
Posted on 8/13/18 at 12:34 am to PrivatePublic
it is so incredibly easy to put $ into a 529 and ridiculously stupid not to. I am 30 years old and still wonder how my dad (engineer) didn't plan for this. Luckily I made it with scholarships/bartending for years. My wife is currently pregnant and we have already earmarked 5K per year to go into the 529 so our kid doesn't get stuck at LSU or whatever CC. If she/he wants to be a welder, then great it will pay for the vocational school and the penalties will be less than the gains if we get to withdraw the money.
Education at any level- vocational, community college, university, is absolutely vital to make sure that your child reaches his/her potential. In order to provide for your child you have to provide for their education. Do not let your child get saddled with debt.
Education at any level- vocational, community college, university, is absolutely vital to make sure that your child reaches his/her potential. In order to provide for your child you have to provide for their education. Do not let your child get saddled with debt.
6
Posted on 8/13/18 at 12:40 am to 3oliv3
quote:
Luckily I made it with scholarships/bartending for years.
And all some of us are saying is that we think this approach is beneficial. If my daughter was in danger of leaving school I would do what needs to be done. Until then I want her to learn how to be in control of her life.
Posted on 8/13/18 at 12:47 am to PrivatePublic
I'm not sure what the point is of sharing this here. Do you want the OT to back you up and say "good job, you're making the right decision"?
Posted on 8/13/18 at 12:52 am to PrivatePublic
quote:
God I hope so. Would make the guilt much more bearable when we have to kick them out of the house.
Best of luck to you at nursing home time.
Posted on 8/13/18 at 12:55 am to baldona
quote:
This thread should just be a reminder to try and save 20% always. Put at least 15% to retirement and 5% or more to savings. It's a huge chunk, without a doubt and not easy at all. It takes a great deal of determination, hard work, and saying no.
It takes budgeting and living within your means. And part of living within your means MEANS putting away for your kids' educations.
A few years back I was talking with a friend and I asked him if he and his wife were going to have a third child and try for a boy (he has two girls). He said that they've discussed it but if they did it would mean that they would have to figure out a way to start putting more away for a third college education, and at that point in time they couldn't figure out how they would do that. They never had the third child. His oldest daughter will be senior this year and spent the summer looking at colleges around the country.
Posted on 8/13/18 at 12:57 am to PrivatePublic
Yes, you should always put yourselves before your kids.
This post was edited on 8/13/18 at 12:58 am
Posted on 8/13/18 at 12:58 am to 3oliv3
quote:
Do not let your child get saddled with debt.
It would get be great if I did not have school debt. But I do, and thankfully I did not rack up much in undergrad..But not all have the privlidge to be your offspring. I’m better off with debt and education, however you can def have a good life w/o school debt. Kinda comes down to character...hard topic.
Posted on 8/13/18 at 1:14 am to 13SaintTiger
quote:
Where do people get the nerves to tell others how to parent
When they post it on the OT - clearly to incite opinions.
Where do you get the nerve to tell others how to post on how people parent?
Posted on 8/13/18 at 1:15 am to PrivatePublic
Ultimately I don’t blame you guys. Your kids will go into debt, though. You guys should at least help in someway still. Even if it’s just tossing them a couple hundred bucks a month for food and gas.
Posted on 8/13/18 at 1:25 am to 3oliv3
quote:
Education at any level- vocational, community college, university, is absolutely vital to make sure that your child reaches his/her potential. In order to provide for your child you have to provide for their education. Do not let your child get saddled with debt.
College used to not be so expensive. You can blame people abusing welfare, which has caused a 25% decline in state college’s budget in recent years.
This post was edited on 8/13/18 at 1:27 am
Posted on 8/13/18 at 1:46 am to East Coast Band
MY parents did not pay for my college. I had scholarships and loans.
It was an investment.
It was an investment.
Posted on 8/13/18 at 1:48 am to East Coast Band
quote:
Did y'all's parents pay for your college education? Mine did, and that's why I'm paying for my kids' college.
Posted on 8/13/18 at 2:00 am to PrivatePublic
Planning this out should have started from their birth...maybe it was your fault?
Posted on 8/13/18 at 2:12 am to Gris Gris
quote:
Yes, you should always put yourselves before your kids.
In the case of retirement savings you should, there are numerous ways for kids to fund a college education without their parents help, but there is no way to fund your retirement other than your own savings.
I told my kids I would do the same thing my parents did for me, I would pay whatever it cost to attend their graduation. My kids did it on their own, and that experience was probably just as valuable as the college education itself.
Posted on 8/13/18 at 2:13 am to East Coast Band
quote:
Did y'all's parents pay for your college education? Mine did, and that's why I'm paying for my kids' college.
Not at all. Not for me or my brother. And, I was perfectly fine with that. I had scholarships and jobs for undergrad and took out a shite-ton of loans for grad school which I happily paid back.
But, the only thing that pissed me off when I got out was when I would hear my mother tell her friends (constantly) how hard it was to put two kids through college and grad school. One day I called her on it and told her (in front of one of her friends), "Oh, I didn't realize you had paid for my education? Good then, I'll start sending my monthly loan repayments coupons to your house." I never heard her "brag" about that again.
Again, I didn't mind her not helping when she could have, but don't take credit for it RIGHT IN FRONT OF ME afterwards.
Posted on 8/13/18 at 2:15 am to EA6B
quote:
I told my kids I would do the same thing my parents did for me, I would pay whatever it cost to attend their graduation. My kids did it on their own, and that experience was probably just as valuable as the college education itself.
So, you're one of those A$$HOLES.
Posted on 8/13/18 at 2:24 am to 3oliv3
quote:
it is so incredibly easy to put $ into a 529 and ridiculously stupid not to. I am 30 years old and still wonder how my dad (engineer) didn't plan for this
Maybe he didn't want to, when did the idea that parents that can afford it owe their kids a college education come about?
Posted on 8/13/18 at 2:34 am to MMauler
quote:
So, you're one of those A$$HOLES.
Absolutely, and would do exactly the same thing again , kids need some degree of adversity in their lives, it builds character instead of whiney entitled liberals.
Posted on 8/13/18 at 2:44 am to EA6B
quote:
Absolutely, and would do exactly the same thing again , kids need some degree of adversity in their lives, it builds character instead of whiney entitled liberals.
Just remember, that if your kids do not turn into total a$$holes like you, when your friends "congratulate" you when your kids do something with their lives, make sure you correct them and tell them that you didn't pay a f*cking dime and they did it all on their own because you decided that you wanted to be a complete f*cking a$$hole.
Given your status as an A$$HOLE, I'm sure you'll just tell your friends "Thanks!" and pretend like you paid for their education.
Posted on 8/13/18 at 3:54 am to PrivatePublic
Good decision. They're 18-22, they should be adults. Let them figure it out on their own like most people do.
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