I should also add that I need something (at least for now) that doesn't require a big chunk to open, or substantial monthly deposits. We have a household income of absolute jack $hit. Like, literally we qualify for the local food bank. Mrs. Twitch only works on my days off, so I can stay home and watch the little guy. We live so far out in the sticks there are no daycare/neighbor options. We are lucky to make bills each month, there is no ability to "put 10% of your paycheck into this account". I need something I can deposit into when possible, NOT an auto deposit.


Need to raise the kid with a good work ethic. I busted my ass and paid $76K for four years of school out of my own pocket; no loans, major scholarships or parental help. At times it required working up to three jobs while taking full credit loads, BUT it can be done.

Of course, there's always the athletic scholarship route too