 How about what I'm going to do with my special needs kids? Well, that's another story entirely. You're going to need to probably, that's going to require an attorney, and you will probably, you can set up an ABLE account for them, which is a version of the 529 that will help take care of their future expenses without any taxes. That's one way to go. It's called a 529 ABLE, A-B-L-E.