Moving from child care costs to saving for college
当孩子们不再需要托儿服务时，考虑把这笔钱用于大学资助.
Is your child one of the millions of children in child care? 如果是这样，照顾孩子的费用很可能是你预算中的一个重要项目. Reliable child care can be difficult to afford. According to recent research, the cost to send a child to daycare averages $340 per week and if a nanny is hired, that cost averages $612 each week.
Saving for college 在支付托儿费用和其他固定费用时似乎不可能, such as housing, utilities and food. However, t在这里 is light at the end of the tunnel. 当你的孩子开始上小学，不再需要全日制的托儿服务, 你每个月的可支配收入都会显著增加.
Saving for college
在你把照顾孩子的钱变成可支配收入之前，请考虑一下 investing in your child's college education. 毕竟，你可能已经习惯了没有收入的生活. 我们有一个 college savings calculator 这可以用来帮助决定为孩子的大学教育存多少钱. Keep in mind, the average cost 因为所选学校的不同，学费和书本费差别很大.
Investing for college
有不同的投资选择，提供税收优惠，同时你积累资金，以帮助支付未来的教育费用.
Coverdell Education Savings account (ESA)
One option is the Coverdell Education Savings Account (ESA). The ESA is a trust or custodial account with a $2,每年供款限额可用于子女的小学及中学教育, as well as post-secondary education, such as college, graduate school or vocational school. You can invest in a Coverdell ESA account regularly, if your income is under a certain amount, 在当年报税截止日期之前，接受当年的供款.
529 college savings plan
如果你想在孩子的教育上投资更多，可以考虑一下 529 savings plan for qualified higher education expenses. Depending on the 529年计划 you choose, it could be used in primary or secondary school as well. Even if you don't contribute the maximum amount allowed by your state, 每个月或每次薪水都少存点钱是个好主意.
高质量的教育可能是决定孩子未来的最重要因素之一. It's never too early to begin saving, 把你以前用于儿童保育的资金投入可能是一个很好的开始.
