<prompt> Human: As the title says: I have a child who is almost three years old. I am a single father in the US and dont make a lot of money 30k a year. I have a decent emergency fund 10k and would like to start saving towards my childs future college education. At this time I could save 200 per month to put towards her education. What type of fund should I be putting this money into? What sort of things should I be looking out for? EDIT: I should specify some more details. I am 24 years old, I live in California, I am debt free, and I currently save roughly 15 of my income towards retirement  <response>: I have a 529 for my kid and its super easy. You can use any states program, not just the one you live in. Some states have tax benefits, but Im in California which doesnt have a tax benefit so Im not exactly sure about it. I went with Utah program. Low fees and good options. One thing I want to harp on a bit, make sure youre making your retirement a priority. Not counting interest, if you drop your investing for college down to 100 a month and put that that extra 100 into your retirement, in 15 years youll have out 18k away. I havent had a 529 long enough to know how the interest will average and different plansstate programs will vary obviously, but even just the 18k is a great chunk of change for the kid.Unless youre thinking your kid will definitely help you if you need it in retirement, focus more on your future, and that will help your kids future in a bit of a round about way. 