Comment Re:Give it time (Score 1) 189
Seconding the thing about 529 plans. They're ostensibly "for college," but can also be almost a back-door second 401k. You can change the beneficiary more freely; use it for other things like vocational programs / trade schools or adult classes*; roll it over to a Roth IRA (after 15 years); or just plain take the 10% penalty & income tax ~~on withdrawn earnings only~~. There's no required minimum distributions like a traditional 401k, so even then it lets you time it for tax purposes if you do treat it as a retirement account later.
*(as long as they are for credit, things like pottery courses or music lessons count. My university used to offer an adult "social dance" class at 1.0 credit hour that anyone in the community could join. Audit fees for a no-credit class may also count as a qualified education expense.)
It's pretty nifty for the kids, but if you've already got the other main pieces of your savings & retirement in place, it can be pretty nifty for yourself too. Just especially if you plan to continue your education in a wide variety of allowable shapes and forms.