I do not know if this will "worry people", but I am already worried and planning accordingly. I send my kids to private school (strong academic quality, not overly posh) in order to give them a good foundation to start from, but the assumption is that there wont be a "college fund" and they might end up going to the State University if (a) they get a full scholarship (not the credit sham that passes for it nowadays) or, (b) they get their act together as young business man and pay full tuition on their own. My wife knows how I feel about this and is fully on board, while my parents and in-laws think that I am a cheap bastard.

Being children, I have not yet discussed this with them. However, I plan to have this topic fully explored with each of them well in advance of their freshman year on high school.