<prompt> Human: The grandparents have started 529s for our two sons 4 and 1 years old. We are still working through our debts and plan on starting to save for their college education in about 3 years. The grandparents have invited us to contribute to their account. This makes me uncomfortable because the account owner always has control over the account. Ive explained this to my husband but he feels like its really offensive because they would never touch their money. Am I being too paranoid? Isnt there another reason to open parent-owned 529s like its not counted as income that I can use as a less offensive reason for opening our own accounts? Edit: California  <response>: Into your own name, shit happens when family members pass; be a bitch to fight family 