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According to recent surveys, the emotional and financial burden of paying for college often exceeds expectations. In this episode, Dennis unpacks the tough trade-offs parents face when trying to help their kids through school without sacrificing their own future. College is a huge investment, but so is retirement. The key is finding the balance between supporting them and still securing your own freedom down the road.

Here’s some of what we discuss in this episode:

💡 Start early – Build college savings from birth and involve grandparents when possible.

💰 Smarter tools – 529 plans and Roth IRAs offer flexibility under new SECURE Act 2.0 rules.

🧑‍🔧 Alternative paths – Dual-credit and skilled trade programs can lower costs and increase opportunity.

⏳ Retirement first – If paying for college delays your retirement by five years, it’s too expensive.

Citizens Financial Group’s 2024 College Planning Study: https://investor.citizensbank.com/about-us/newsroom/latest-news/2025/2025-06-24.aspx 

Sallie Mae’s “How America Pays for College” Report: https://www.salliemae.com/about/leading-research/how-america-pays-for-college/ 

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