You're listening to Ramsey everyday millionaires, where we talk retirement, building wealth,

and outrageous generosity.

Let's go to Nicole in Detroit, Michigan.

Hey Nicole, what's going on?

Hi, thank you for taking my call.

You got it, what's up?

I asked, we have two kids, April 14 and 16, and we have 529 accounts for them with about

$80,000 or so in it.

And I'm a bit concerned about overfunding the 529s.

I feel like their grades are not amazing or not bad.

And I'm thinking they might end up starting with a community college or even staying home

for college and just commuting.

So I'm wondering if we should start taking the money that we're putting into the 529 and

put it instead into a non-retirement account with our Mart Vester Pro and that way they

could have it for college if they needed.

But if they don't end up needing that much, we could use it for something else for

them.

All right.

What's your financial picture look like?

You guys are obviously in baby steps 4, 5, and 6.

So are you investing 15% for yourselves?

Yes.

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