<prompt> Human: So I am very fortunate because my parents saved money for my college throughout my childhood. With this money and the decision to go to a public university, I will graduate with no student debt and a good chunk of money left over. It would be incredibly beyond selfish of me to not do the same for children, so I was thinking about opening a 529 in my name for them when I start working full time. Ideally, I would like my kids to be able to go to a private university and still graduate with no debt. I always watched my parents pour most of their extra money into my siblings and my college funds towards the end love you mom and dad! and I prefer the idea of making small payments over a long time. Here are the issues I have, and I was wondering what yall though:1 I am literally 10 years away from having kids. The current higher education tuition system is not sustainable and I think it would suck if I had a house worth of money tied up in a 529 that my kids dont need because the system changed. 2 On a similar note, if I dontam unable to have children, I also think it would suck if I had a house worth of money tied up in a 529 that I could not touch without being penalized. 3 I would like to move abroad for at least a period of time and I do not know if I canshould contribute to a 529 while living abroad. Additionally, if I do permanently relocate abroad, I wont need to save nearly as much for my future kids education. Thoughts?  <response>: Max all retirement accounts now. Then, you can plan for this in the future when you have more solid plans and fund it by possibly decreasing retirement contributions in the future. 