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reject college. embrace apprenticeship
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16x12 = 192,000.. Where are you getting this number from? That's enough to put 2 kids through even the more expensive US colleges, assuming investments outperform tuition hikes
Given inflation, current estimates put the cost of a 4 year degree at about 180k in 2040, so not an unreasonable savings estimate. That number is both available from online estimates as well as what my own financial planner gave me when discussing my daughter's college fund
Never hurts to have extra if my Wife and I can afford it!
If you can afford to save 1k a month, you probably should lol