<prompt> Human: Now I know many, many hypotheticals are going to go into this. A College education might not even be something that is valued the same as it is now at that time, who knows.I contribute to a 529 plan for each of my children on a monthly basis. What I do not want to do is over-invest in these 529 plans so that I get to a point where Ive put too much money into it and have excess with no educational needs to pay for, then incur the 10 penalty on the growth when I take the money out for something else.Are there any other parents in this sub with young kids who are thinking about this right now?  <response>: I came here to say, youre a good parent. 