That’s great! Good for you! I thought about investing in stocks before, but the minimum investments are way high and we just don’t have that much extra funds. We need our funds liquid just in case.

Re college funds, yes, I got the same feedback from other people I asked. I am also looking into life insurance with cash value by the time my kids turn 18. I think it is a pretty good idea that they can decided whether to keep the insurance or convert it to cash. kinda their first financial decision. We are still going to move forward with our home purchase. Another investment for my kids, as I see it. We have 2 offers – one from our bank, BA and one from the credit union. I am still unsure about the credit union, but they give a good rate, so we are leaning towards that.