<prompt> Human: Hi all... First time poster... Long time reader.Thank you for all the great information.I need some advice. We have a 3 yo son and were starting to save for college. Ive read up on college 529 plans. We dont really trust the stock market with our sons education if market crashes couple years before he starts college etc. So were planning on just putting money into a money market account for our son. Are we making a mistake? Has anyone done this? Any word of advice is greatly appreciated.Thank you  <response>: Thats why you move to more conservative allocations as he gets older. By not investing, you have a guarenteed loss due to inflation. 