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Saving for retirement or for your kids' college education doesn't have to be an either-or test. (Photo: Bigstock)

Several years ago, a couple had to make a choice between setting up a Roth or setting up a 529 plan. Mom and dad were in their 40s and were already maxing out their retirement saving. Their children, however, were approaching that age when the reality of college loomed like a Damocles Sword. The choice was daunting: Should they save more for their own retirement or should they save for their children’s education?

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