30 Secrets All Baby Boomers Need to Know About Money

3. Skip the College Fund

Some younger boomers take pride in knowing they’re setting aside cash for their child’s college education. Maybe you don’t want your children to graduate with a mountain of student debt.
There’s nothing wrong with paying for a child’s college expense, but you shouldn’t pay for college at the expense of your retirement account. If you’re in a position to build a college fund without sacrificing your own nest egg, wonderful. If not, prioritize retirement over the college fund.

The reality is, there are plenty of ways for your children to pay for their college educations, but there are only a few ways to fund your retirement. If you put all your money toward supporting their college educations and neglect your own savings, you could end up working well into your retirement years, or having to drastically decrease your standard of living upon exiting the workforce.

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