If you save for college, you get punished by not having access to these discounts.

Granted, I'm using the intparent approach, except that I'm not using the 529.

Which is precisely the advice that our financial adviser gave us ten years ago. You can't possibly invest the money SAFELY in an investment that has the kind of return to make it worth doing, basically-- every dollar is losing purchasing power every year in the current climate.

Schrödinger's cat walks into a bar. And doesn't.