<p>H is military and we will have a retirement. Depending on where he works after retiring from the military, he will have more retirement from there. But we are planning to finance college mainly through scholarships and paying as we go. It won’t be an either or proposition. We don’t see the need to send our kids to the most expensive schools and dh says he sees plenty of successful people who went to non top colleges. We figure having them in top 100 colleges is good enough.</p>