If you are not saving for retirement because you're saving for college for your kids, then you will have nothing for yourself, and that's why Saving for College is on this website!

Which is more likely: your kids will get a low-interest loan for college, or you'll get a low-interest loan when you're 65, with no income, to retire and live well for another 30 years?  Exactly.

As parents, we are responsible for our kids.  But are they responsible for us?  If we don't plan for our own retirements, they will have to take care of us.  That's what putting them through college might do to us, and them.

The answer is different for all of us...how many kids?  Married?  Divorced?  Income? 

Find a Financial Adviser who can help you consider all facets of your life - retirement planning, saving for college, life insurance, estate planning, your family business, your taxes, etc.  It is complicated and we all need this help.

JUST DO IT.