If you have to sacrifice your retirement savings to fund a college education for the kids, you may be making a big mistake. Many families can qualify for college financial aid, including grants, scholarships and loans. But virtually no one (except you and possibly your employer) will finance your retirement. Try thinking of saving for college as building a down payment on a house. You don’t pay for the entire house all at once, but whatever you sock away is money you won’t have to borrow later.