It’s tough and it’s out of control. My first child was born in 2000. That year I looked at the average cost of a four year degree ($20,000/yr) and ran some numbers. I assumed 6% college cost inflation and an investment return of 9%. To pay for a $80,000 education 18 years in the future, I calculated you need to invest $750 per month for 18 years. That was insane. I could commit to $500/mo which is still insane. Child #2 came along in 2002 and I split the $500 two ways ($250/mo in 529s for each). Fast forward to 2018. First child goes to college, which now costs $50,000/yr and has $100,000 in 529, so about half of what’s needed. 18 years of consistent investing and I could only cover half.....