The way I understand it, If I manage to save $ for my kid's college, I will be punished by fighting system for control of $ after I could have spent it already with no problems. I called SS yesterday. The lines were busy, the wait was long, after giving my SS number they didn't recognize me, I tried hard, their voice recognition software would not recognize me. They want me to give them large amounts of money now to manage? Aren't most sociology majors? I really did well, you know. The market fell, I'm still doing ok.