Since I'm about 75% sure that I'm not having kids, I decided not to vote, but I'd thought I'd add my 2 cents anyways.

If I did have a kid, I'm sure someone on my husbands side of the family would set up a trust fund for them, because that's how their family shows affection.

Personally, I grew up poor, but not quite poor enough to qualify for Federal Aid for College. My parents hadn't saved up any money up for college for me, so I had to rely on loans or scholarships. I went with the scholarship, but since it only covered tuition, they gave me the choice of a car or money for room and board, I went with the car. Worked out well.