Saving for Lilly’s College Education

Over the weekend, I happened to see this commercial by Quicken Loans. In the commercial, Lilly’s mom refinanced her home in order to reduce her mortgage payment by $312. The extra $312 per month saved by refinancing is going to be saved for Lilly’s college education. It’s not a bad idea, assuming Lilly’s mother didn’t increase her outstanding mortgage balance.

A better idea would have been for Lilly’s mother to buy a single-family rental property. The income from the rental property could have been used to save for Lilly’s college. Even better, Lilly’s mother could even give this home to Lilly when she graduates from college. Upon graduation, Lilly would have two choices:

1. She could keep the home as a rental property collecting monthly income for life
2. She could move into the home herself.

Either way, Lilly would be far better off if her mother obtained a loan from Quicken to buy a nice rental property instead of refinancing her existing mortgage. She would have a gift from her mother that would help pay for college and also provide for her after college.

121 thoughts on “Saving for Lilly’s College Education

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