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I'm confident that my future kids won't go to college (there'd be no point). Perhaps some degree of standard schooling might still be either legally or pragmatically necessary, but there's no need for a college fund. I've always been an autodidact, and with LLM assistance (and the wider internet for procedural skills), it's quite possible to teach yourself most of the things formal education can.
I particularly pity people entering or immediately graduating college right now. I've previously discussed at length my beliefs that a qualified doctor in training like myself still has a very limited shelf life. If I had to put numbers on things. I think that by the time I become a full consultant (which takes ages in the UK), there's 50:50 odds of an outright hiring freeze or layoffs.
Someone entering med school right now? Good luck paying off those loans. I don't envy them at all.
The very young are luckier. It's their parents who need to agnoize over their fates. Maybe by the time they're older, we're more clear on the trajectory of the future, and whether humans need not apply to jobs or colleges.
The most general and sane advice I can give to anyone reading this is to try and make more money, and then save and invest it. It'll probably do your kids more good than anything else you can do.
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