Look up IUL’s they’re life insurance policies that you can take money out from (without dying) my kids are 23 and 19 now. I got those policies for them when they were 6 and 10.
My oldest took out 24k for college and since she got a scholarship she used it as a down-payment on her house.
I tell everyone about this because I had never heard of such a thing until I heard about these policies.
By the way, the life insurance policies are still open. The money we got was interest earned at 8.5%.