Hellobee Boards

We always fund our Roth IRAs. Our main priority is always to max those out (I think it’s 6,000/each in 2019). After that I might do a 529, but I worry about them a bit. I don’t like the restrictions put upon them on what qualifies as an expense. I don’t want to have the added stress of what to do with the $$ if the kids decide not to pursue higher education. I would never want to push it just because we have this plan. So I guess we’d lean towards putting it into a separated investment account that we can retrieve funds for any reason. Our philosophy has always been to fund our (me and DH’s) future/retirement first and make sure each year its on track before we put money into children’s accounts. My DH’s and his sibilings Bachelor’s were totally paid for but his parents were (and still are) in financial ruin. We will be dealing with the consequences of caring for parents with no money long after any student loans would’ve been paid off and the stress it has on all of our lives is insane.