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Q: When should I not contribute to a 529 fund?
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When to Not Use 529 Funds
Of course you want the best for your kids, but don't sacrifice your own retirement to contribute to their 529 funds. There are grants, scholarships and low-interest student loans available to help pay for college. There are no such grants, scholarships or loans available to help you pay for your retirement. Only contribute to a 529 plan after you have reasonably high contributions to your retirement plans.