 you said 500 a month into the 520 the brokerage accounts ends up being about 5 or 750 a month basically or maybe a thousand a month over time right i would put some in the brokerage but i really would put more into the 529 you're probably going to want to be at a thousand dollars a month for that you're going to essentially which is so smart take the money right the one you're going to take that extra money that extra 20 000 your husband is going to earn you're going to immediately say okay now let's