What about opening a 529 plan? I'm not sure exactly how it would work, but you could open one for each Nick and Xander as a beneficiary. It could then be used to help pay for their college when they graduate. https://www.nysaves.org/content/home.html https://www.scholarshare.com/ Cc: http://www.gmail.com/~flora; Noelle; http://profiles.yahoo.com/flora Subject: RE: college costs To: ", Flora" <http://www.state.vt.us/~Flora.> I tried a cursory search on the web to see if there were tools, but I didn't see anything like this. But, like my other email said, getting "outside help" from family members can complicate matters. -- http://dummy.us.eu.org/robert http://www. our-San-Jose-phone-number