A special account should be set up for children's education, just as a personal pension account is used for retirement planning; The housing accumulation fund account is used in the housing purchase planning, and only in this way can it be used for special purposes.

2. There is no time flexibility.

Children will go to school when they reach a certain age (for example, they will go to primary school at the age of 7, and they will go to college at the age of 18), and they cannot be postponed because of insufficient tuition fees.

3. No cost elasticity.

The basic tuition fees at each stage are relatively fixed, and these fees are the same for each student.

4. The duration is long and the total cost is huge.

The total expenditure on children's continuing education in the past 20 years may be more than the purchase expenditure.