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I just scrapped my IRA account, it has been losing money since Day 1.
I will pay for my kids community college and some extra curricular things (ie one on one instruction from someone in the field they want to go in, learning a specific skill and getting certified... etc).
I wish my parents just bought me some books on internet marketing and business and maybe spent some money on flying me to conventions or something and maybe gave me a few k to pay for a server and some traffic or something. Instead they payed for the first 2 years of my college at a private school (out of 7 years lol but i transferred to a state school after ha).
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Go Fuck Yourself! 
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