Good discussion you guys. The only problem with the Roth for the kids, I believe the age of withdraw, there is a pre penalty for that. An IRA (SEP?) would be the best for the kids, you can also give them limited payroll and use that for the education later, it's what we tried to do, (didn't work out in our case, we got bad advice vs a 529). Plus business was small and didn't net much then.
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Mike
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