If you live in Canada and you have a child, you get free money. Take that money, and open up a RESP (go to your bank, they will handle it for you).
Take some (at least $100, don't be cheap, its' your kid) and put it into the RESP every month. It's not your money, it's for your kid.
You as a parent should have NO excuse for not doing this. Your kid deserves a good education. Did you have a RESP? Well, your greedy parents screwed you.
(If you are are so hard up that you can't help our your kids future but giving them THEIR money, then you should get your ass off the computer and do something about it).
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