Thanks Stephan. My oldest son picked up a good scholarship that really helped expenses. I was lucky that my in-laws planned ahead and made some good decisions early in life to allow them to help all the grandkids get through school. Since I have the opportunity to save now, that is what I plan to do so that they will not feel like they have to help later. Maybe they will still help, I just do not want to feel the crunch again when my youngest is needing some "extras" while he is in school.
I was talking to a guy at work today, who plays the stock market and was new to it only a couple of years ago, and he was talking about ETF (I think) stocks or mutual funds. Again, thanks Stephan. I'll look at what you suggest and proceed at my own "risk".