My home state of Utah had one of the top-rated 529 plans known for its low fees, high portfolio quality, and comprehensive management. If your state has a decent 529 plan, definitely look into it.
I set up automatic deposits to these accounts each month... somewhere between $35 and $50 each month for each kid - but it builds up better and faster than you think it will.
Kids learn more by seeing what you do than by what you say. We keep our own spending habits (and attitudes) in check.
I stick to my guns - I don't offer to make up the $5 difference for a $30 toy. A little disciplined spending will go a long way in their lives.
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