I think it depends on how middle class they are. If they are new immigrants who just get a pair of jobs I think even 1K is a lot of money. However over time the

I think it depends on how middle class they are. If they are new immigrants who just get a pair of jobs I think even 1K is a lot of money. However over time they should be able to build up the fund for their kids. And again some families have a lot of kids with different interests, so that's also tough to allocate 10K for each of them.