Originally Posted by HowlerKarma
Our financial advisor basically told us that it was a no-win situation and we'd be much better off saving like MAD for our own retirement, then scaling back and diverting that cash toward out of pocket payment at the time when college expenses became a thing.

This is basically my thinking.

Except for the "scaling back" part, since I never "scaled up" in the first place.

Well, technically, that's not true. I "scaled up" in high school and early college, then "scaled down" after law school once I larded myself up with $120k in debt or whatever it was.