<prompt> Human: Throwaway for privacy. During the great recession, we were incredibly poor: both lost our jobs and couldnt find new ones for a long while. We finally took out 20K from our childs trust, which got us through the very worst of it, helped us keep our house, etc. Now, several years later, we are in a much better place. I would like to put the money back into the account we since rolled it to a 529, but would like to know how to do it in a way that it will match the amount that it would have been had it never been withdrawn. We took it out in 2009 or 2010 I can check old bank records, and can probably put it back in over the next 2-3 years. Our child is still very young, so college is a ways off yet. How do I figure out the correct dollar amount so that our child never knows, and so that this is a non-issue in the future? Should I put the money into a trust, rather than the 529? We fully intend to pay for college, so perhaps a trust would be nice in addition to the 529?  <response>: How old is your child? 