Starting a college fund. The best way to do it, or the time to do it, is yesterday; as soon as possible. I would hope that, if you have a young family, you would think about doing it as soon as you have children. You can use something that is called the 529 Plan. They are for higher education, and you can put in as much as $13,000 per child, per year. There is actually a way to accelerate that. You can put in $65,000 the first year and do what's called an election. You put in $65,000 the first year, and then you don't put anything in for five years. These 529 plans are state by state, so you can look at the state plan and put in as much as $250,000 to $300,000 and it's dictated by the state. They are great savings vehicles. You can go to a website called www.savingforcollege.com. It gives you a lot of information on how to do it and does a comparison from one state to another.