<p>Government employee here, so one of the lucky few that still has a defined benefit pension to look forward to (assuming NYS is able to pay it, and quite frankly I am getting more and more anxious about that, because I have very little other retirement savings/investment as my pension is anticipated to be a very nice one…). That has enabled us to concentrate on saving for D’s college. I consider us very fortunate in that regard. If NYS goes broke and can’t pay my pension, we will end up in very deep water in our old age…</p>