<p>At the risk of inciting a riot, what the heck are you saving for??? I absolutely understand saving for retirement, but why is it not acceptable that you be expected to save for/part with savings for education? I just don’t get it. People save for a down payment on a house, save for a downpayment on a car, save for retirement … but not for their kids’ education? If you have saved enough that you are over the asset protection cap, you can afford school somewhere for your kid without breaking the bank.</p>