Is it not better to have dedicated college savings so you don't have to stop putting money in retirement those years? It seems like even a taxable account would be better than just skipping saving entirely. I can maybe understand if you're not using all your space, but if you're already maxing retirement, why not?mmmodem wrote: ↑Tue Apr 27, 2021 2:34 pmCash flow first. Stop contributing to retirement accounts as necessary if you are still working. Use Roth IRA contributions as necessary. If you are unemployed, then consider using other retirement accounts to pay for college.cshell2 wrote: ↑Tue Apr 27, 2021 12:51 pmThose two examples didn't seem particularly helpful for me for using retirement money for paying for college because they both started with Step 1. When you quit your job.mmmodem wrote: ↑Tue Apr 27, 2021 12:42 pmhttps://www.madfientist.com/how-to-acce ... nds-early/
Plenty of ways.
I'm not going to quit my job to set up a Roth Conversion ladder or 72t withdrawals to pay for college.
And again, in my situation it would be absolutely horrible for our financial aid to stop contributing to retirement. People near the SNT and Auto-Zero thresholds could really be shooting themselves in the foot going the cash flow route.