<prompt> Human: What are some things we should be doing now that we have a little one on the way?At what point docan we start saving for their education and whats the best way to do so?What obvious things are we going to forget to do in regards to finances before and after the baby arrives?I know that we should maintain our own personal retirementsavings goals but I want to be prepared for what comes next!throwaway since were keeping the news a secret for a bitAssistant: If youre paying off debt, temporarily put a hold on that to build up a buffer until the baby comes home. Make sure retirement is taken care of first. You can borrow for school. You cant borrow for retirement. If youre not in debt and your retirement is squared away, look into a 529 plan. And congratulations!Human: We are aggressively paying off some debt but do agree with the buffer. We are both saving for retirement.Would you recommend we not start a 529 until our debt is paid?Assistant: Would you recommend we not start a 529 until our debt is paid?Unless its low interest debt, such as say less than 4, pay off the debt first.Human: Its a 7 loan payoff at this point. Itll be paid off in a couple of years. In related news, a car loan is about to be paid off 450month. Would you recommend we switch that over to the loan payoff or point that flow of cash towards the 529?  <response>: Dont worry about the 529 until that high interest debt is paid off. 