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You can designate beneficiaries for your life insurance, IRA and most of your financial accounts so they would not be part of the probate.
There are people who have 250K+ set aside for each of their kid’s education. Some people even pre-pay all four year’s tuitions and in exchange not to have to pay for any tuition increases.
If your definition of financial safety is having absolutely no risk when it comes to paying for college is to have to pay $0.</p>