Ditto, but despite having mortgage paid off and healthy 401k, I have 2x kids college expenses coming up over the next 12 years. I’m resigned to working till I drop dead. 63, or whatever Medicaid will be at, is the minimum.
Taking loans and working in the summer/internships to pay it off, without being reliant upon your parents is the ideal to aim for.
After all, I think Warren Buffet said that he plans to give enough to his children so that they could anything, but not enough so that they can do nothing.
Buffet is giving his kids retirement money, not yacht money. They've all been in the work force for decades. He's still giving them far more than the price of a college education.