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It all depends on the age of the two kids.

If your kids are 4+ years apart, you can have ONE account - you use it for the first kid, then transfer it to the second as the first one graduates and doesn't need it anymore.

If however you're like me - with twins - then you do need two accounts, one for each since there's no window of time to transfer the account from the first to the second.

Clear 'nuf? 8-) (This according to the Fidelity guy who gave a talk at my company...I stood up and asked the question....)

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