<prompt> Human: hi all,Need some advice around saving for college. I have a 3 year old and 15 month old twins. I was lucky enough to be able to max out their 529s 4000 in pre-tax money. I feel like with that benefit gone I should continue saving for college, but not to the 529 as that would tie up excess money in the account. Opening an account thats for college but is liquid in case of a an emergency seems like a better option. Basically Im looking for another lower-risk, easy way to put a few hundred dollars a month into. Ive already follow the prime directive well into Phase 4 and have plenty of cash savings and im maxing out my 401k. Appreciate any and all suggestions.Assistant: You lost me. 529 contributions are post tax. The tax benefit is that the money grows tax free, like a Roth IRA. And theres no 4,000 limit on that tax break. Human: from the Virginia 529 website: Contributions to a Virginia 529 plan of up to 4,000 per account per year are deductible in computing Virginia taxable income, with an unlimited carryforward of excess contributions. Contributions are fully deductible in the year of contribution for taxpayers at least 70 years of age.  <response>: Oh, you didnt mention anything about this being state specific. Again, the main benefit of the 529 is the tax free growth. 