Any of you guys do USAA 529's college plans? Right now I'm putting $100/month into a savings acct for each of my two kids. Low interest rate and its safe. Seems with a 529 plan you can make more money but also lose money. It can only be used for college expenses which is fine with me. Can't use it for a car which is crappy. If you take money out for non-college expenses then you get taxed 10%. I'm not sure if I should stick with the savings acct's or go to a 529 plan. What do you guys think?