Why take the risk on something that demands flexibility and certainty at the same time?

Are 529 plans the best place to invest for your kids or grand kids #college? What if your kids end up not going to #college? Is it worth saving annually to an account that gets moderate returns at best? If your kids or grand kids don't go to #college then all of the money you saved gets penalized upon withdrawal. There has to be a better way to invest your money that does not hand cuff you to penalties and taxes. #College education is not something to leave up to chance for your kids so why would you have it attached to market risk and volatility? Tomorrow I will post a comparison of 529 plans to another investment. Decide for yourself what is more efficient, certain,  and flexible.

Also, read the attached article. Why take the risk on something that demands flexibility and certainty at the same time?

https://www.dropbox.com/s/8lrlgtdrt3vxquz/WSJ%20Journal%20Article-%20College.pdf