But Dave would say quite clearly, save your 3-6 month emergency fund FIRST, then start on the college savings.
He's a smart guy, I'd just follow the program. He's put a lot of thought into the sequence of things. You'll be in a LOT more trouble if, say, you get laid off and don't have that emergency fund, than if your kids' college funds are a little weak and they have to go to community college or work during college. (Spoken by a mom of three kids all in college at the same time!) Plus, you've got your head straight right now, you'll catch back up on those college funds pretty quickly once you've set aside your 6 month fund.
