$110,000 Cash, $90,000 529, $90,000 in college

This applies to parents who have done college savings, so intended for 30s-40s probably.<br><br>What are your thoughts on giving $90,000 (half the 529) to your kid after tuition is paid?<br><br>$110,000 Cash<br>$90,000 529 (after $90,000 tuition is paid)<br>$90,000 given to your adult child to offset the burden of college debt<br>$90,000 (is that 529 money) for their kid (your grandkid)<br><br>$110,000 lets you pay for expenses and not have to take on debt for the kid’s 4 years of college, then you can use the 529 for your grandkids or gift to your kid to use on their kids. <br><br>Letting them have $90,000 (1/2 the 529) allows them to live their life without debt after college. Whether it’s for an apartment, house, car, backpacking, etc.<br><br>Both options can be used to retire earlier, travel, etc.<br><br>[Parent’s 529 money is post-tax money, kid’s student loans are often pre-tax deductions]<br><br>[Discuss]