flu, I totally agree. Guys like Gates, Jobs, Ellison, etc. are in the 0.005%. But then you have to also keep in mind that only 5% of American house hold make >$180k. As you said, what if your kids are just average or above average? Or more likely, what if your kids are brilliant but also have a huge heart and want to go into profession with very little chance of making big bucks. Would a UPenn nursing degree get you to make a lot more than a SDSU RN degree? Or what if your kid is great at teaching children and want to teach kids in the inner city because he/she want to make a real difference? Would an Ivy education make that big of a difference? We all have to keep in mind that most careers out there don’t make very much. If your kid want to be a doctor and joining doctor without border to help the poor. Would an Ivy MD matter? Wouldn’t having a few hundred grand to help them financially throughout their lives while they help the poor better than an Ivy degree?