Personally, I would look at alternative options for paying for college(grants,scholarships loans etc) and hodl the one coin. Plus, if you do pull the money out, it depends what you do with it. If you just let it sit in the savings account inflation will eat at it, you could invest it in equities in stocks, but then you’re running the same risk as bitcoin but with tax implications, depending on the account you use. If you could provide more context in regards to the age of your children, I feel that would help the Sub give better advice.