<prompt> Human: I recently made a post on Reddit where I outlined that we are on a budget where nothing goes to retirement but we put 200 per month into our childs 529 plan. Someone made a post saying retirement is more important as you can borrow for college, but not retirement.What is PFs opinion on this?edit Thank you all for the insight! It is very appreciated. Ill be showing all of this to my wife and well make some changes.  <response>: retirement, you cant take out loans for retirement. 