A Great Christmas Gift

A Great Christmas Gift

What will you give your teenager for Christmas this year?

As parents of three daughters, Denise and I faced that question many times. And when each daughter reached her senior year, we found ourselves looking at funding the next chapter of her story – college. It would be the largest single expense item that we had encountered to date. Our Christmas savings plan would not cover this gift. What do we do? Do we look for the cheapest option, the live-at-home path, the online alternative? Or do we take a deep breath and consider the kind of formation we are purchasing for our child?

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