<p>OP/OT</p>
<p>A longtimeprime ago I read or was told that; For retirement, a person has an entire working lifetime to accumulate retirement funds that will last the remainder of your years. However, for college costs, if you considered funding, will take 18 years to accomplish the funding. College funding is nothing more than retirement funding but on a shortened time scale. </p>
<p>Basically that advice is correct but in personal hindsight, not entirely correct. Conventional thought is that you should be aggressive in the beginning and more protective of the funds as you approach using this wealth. So at birth, you can be aggressive for 18 years? No, Because at year 19 you’re going to start tapping into the college funds, and some of this hard earned money and gains had better be in less aggressive pot. On-the-other-hand, If you’re able to get attractive student loans, your college cost accumulation and amortization could be drawn out another 25+ years beyond the initial 22 year (47) . Contrast this to a unfortunate working life of 25-65 (40). :shocked: :)</p>