Raising a toddler is a strange mix of wonder and exhaustion. One minute you’re marveling at how they figured out how to stack blocks without toppling them. The next, you’re wiping peanut butter off the dog. And all of it—every sticky, hilarious, confusing moment—is laying the groundwork for who they’re going to become. These early years aren’t just about surviving tantrums and teaching them not to eat crayons. They’re also the time to start thinking ahead, even if it feels way too soon.     Via Pexels Building A Financial Cushion For The Future It always starts with the same question: When should we start saving for college? The answer,…