<prompt> Human: Hi guys, Im 21, never enrolled in college because I didnt see myself ever using it, wanting it is a separate story. I have 3 siblings 8, 10, 18, my 18yo brother started college last year, he came and asked me how much savings we had and how I expected him to pay for college, as I handle the familys finances. I have been running multiple business ever since high school, my most successful is an auto repair shop that recently started supporting my family last year, after 3 diminutive years of no ROI. My parent have been pretty cavalier about saving up for college, as in, no savings, but they did the best they could. So I have about a year until I need to start paying my brothers tuition, which is about 36k year. So obviously need to put aside at least that until then. But what about after that? I need to plan for 3 kids college education at maximum costs, about 130k, per kid total, does that sound right?ivy league for 4 years, they can manage on their own after that. I planned that Ill put aside about 3k every month for the first year, 2.5kmonth for the second year, and dwindle down to 1500month Ill be able to make every payment on time. Unfortunately my religion forbids me from collecting interest, so I cant put this into a savings account, how do I keep this money safe tax free?. As an owner of a business, that isnt even close to its potential, my monthly income vacillates allot between 30k and -3k, month to month, but I try to average it out. So sometimes Ill be living off savings, and sometimes Ill be able to put double aside. Ideally Id want to invest every penny of profit back into the business after home and business expenses, but I cant figure out a balance. I also want to experience a decadent nouveau riche Lifestyle, I want to eat my cake too. What is the best why to proceed to make sure my siblings dont ever question college because of something as trite as money.  <response>: So I have about a year until I need to start paying my brothers tuition, which is about 36k year. find a cheaper school to go to 