Re: Age
Saving money takes time. Just to make sure the discussion is not on born rich or very high earning family.
Neither I am talking about exceptions like my neighbor/professor/Paan Ki Dukaan wala!
Small amount saved over time is more common situaion for most families. College funds are among those.
You save money over time, when you are young, your health insurance and life insurance is at lower rate and while children are growing, you end up accruing a good amount of money already when they are ready to marry or go to college.
When one marries late. And starts late in the game of saving for children, one has to put down more money in kids account in order to get to the level where one wants to be.
No kids, no account, no saving.
There is no magic, time is precious and maybe the only thing which makes difference in people’s financial future since growth of money takes time.
This is free advise for public service by the way. 
Now!
When you say something which makes sense. Will discuss further.
P.S. I assume, none of this is applicable to you and you are just jumping up and down for no real reason. 