The wife and I don't have any kids yet and plan to wait for a while, but I've been considering the various available ways to save and invest money towards their college education. I've read about Coverdell ESAa, Section 529 plans (which vary by state), and even using a Roth IRA (since the principal can be withdrawn without penalty at any time).

So, what are your plans for your kids? Personally, I'm not sure that Jessica and I will be motivated to pay a very large portion of our kids' college education. Both of us paid for the majority of our own education, and that is working out just fine. Student loans are cheap, but no one is going to lend us money for our retirement.

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