Don't set up a college fund for your children if it means taking away from your retirement. Children will have more options for attending school than you will for retirement. Your retirement is up to you.
If your parents or in-laws are interested in setting aside money for your children's future education, talk with them about setting up a 529 plan in the name of your parents or grandparents. They should be the owners of the account and your child the beneficiary.
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