One of the moms mentioned saving for college, and it felt like cold water was poured on me. I had a vague idea about tax-advantaged college savings plans; our diligent financial advisor had surely discussed them in one of our meetings. But the numbers — the 529s, 401ks, and 403bs — all swam together in my head.
However, I was confronted by the fact that someone else with small children was already planning for college. I felt like we had just started saving for retirement, and now I had to start thinking about another future — four of them.
