I work from home - online. DH does projects off and on. Income is not a LOT but we get by. My struggle is we are not saving anything much for our 3 year old son. I keep hearing about parents having college plans for their kids - but most of our stuff goes in paying off the mortgage and education loans for the older kids, household expenses and a little bit of entertainment (restaurants once in a while, we blew 200 dollars on a weekend skiing trip!) . Im just feeling so guilty that we are not saving anything for ds - and I feel guilty to spend anything extra for myself (clothes, shoes that sort of thing.) Just wondering - how many of you guys have a savings plan for your children's future. Any tips or advice?