I see ... my bad; differnet approaches to the future.
I take a more conservative approach in that I estimate my child to
go to uni at 18; and I benchmark myself to start saving when baby
is born, and keep a steady injection of cash into his/her trust
fund until he/she turns 18. Therefore, when I saw you say that you
expect to have enough cash by the time you're 55; I was 
because you'd be pretty
old by then ... which against my calculations, would mean that you
only started having kids and saving by the time you're 37.
Again, gross oversight on my part and I apologise.
