That's not an asset the state can see.

It's never appropriate to take your retirement dollars and invest in company stock. It's suicidal to put all of your money in the company.

If your kid doesn't go to college, you subsidize your own retirement.

They're not losing anything in the way of deductions. And their money is locked up for a long time.

What you inherit may not be appropriate for you, but you can change that. It's a one-time free way to change the portfolio that meets your needs.

The system is absurd. Saving a lot of money may impact your kid's ability to get a scholarship.