Introduction
Titanic was meant to be the ocean liner by which all others were measured. Not only did it represent the height of seagoing luxury for its day, but its designers also believed that its seaworthiness was unparalleled. In short, this masterpiece of planning, design, and execution was believed to be unsinkable. Of course, it only took one oversized chunk of ice to prove that theory catastrophically wrong.
During my years as a financial planner, I’ve seen few things sink as many households’ finances as the failure to be strategic in planning and paying for a college education. Some fail to plan for their own educational expenses, which results in iceberg-size student loans they spend decades paying off. Others fail to plan for their ...

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