A friend of mine has a problem and hopes someone in the same situation or has any ideas could help him. They have two children, 16 years old (junior year) and 13 years old (8th grade). He pays a monthly mortgage of $1098 and he has $120,000 left to pay. He has saved $102,000 in 529 plan for college fees. Together with his wife they contribute $500 to this savings every month. He has saved $401,000 of expenses for emergency. He has two options, to either pay $1000 for mortgage and complete it by the time the 13 year old is going to college (2021), or save the $1000 to the 529 plan for future college fees. He is weighing to see which option is better. What's your advice to him?