AN – I understand where you are coming from, now. Thanks for sharing.
I am hoping to match what my parents gave me (debt free public education, small, not life changing, inheritance.). Given the change in the economy – it’s harder I’ve been saving for the college funds since the kids were born… and do not count it in my net worth. (Heck, I don’t count my primary home’s equity since I don’t plan to move,sell, or borrow against…. ever. So in my mind it’s kind of like a car… an expense that provides shelter.)