<prompt> Human: I have a son coming in 2.5 months and Im 30 years old. Basically, I want to do everything right from now on about everything in my life especially when it comes to my son. One of the first things I want to do for him is have a college saving for him and I want to start as soon as possible after hes born. But I have any idea about college funds. I read and read and learned that every states have their own college saving fund but I can invest in anyone of them. My goal is to have 50,000 when my son turns 18. Can you gents and ladies point me to the right direction about this? What about all the shitty ads on TV about Gerber baby life insurances. Should I buy one of these and watch 50 cents turn into 20,000 or something like that. What are these by the way?  <response>: The person who told you its possible to turn 50 cents into 20k, was the shit actually coming out of their ears or were their eyes just brown?No, your baby does not need life insurance.Congratulations! 