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I am curious what people do to save for retirement if they view their IRA's as a place to be able to save college funds instead. The child can always get a loan to go to college or get a job to pay their tuition bills, but a parent cannot get a loan to support their retirement.

When DH & I first became eligible for 401k accounts we made the conscious decision not to fully fund them, but to fund Roth IRAs instead. Mind you, we were starting in our early 20s, so that gave us a long time to save up those retirement funds.

When I calculated how much we would have at different times, I realized that we could get to the position where we had sufficient money to retire but we couldn't get at it as early as we would want to retire. The Roth IRAs offered more flexibility since we could also take money out for college tuitions.

But for me it's always a calculation of possibility, not of expectation.

- Megan
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