$40 a month per kid?
Many people cant afford to put away $40-50 a month per kid every month for 20 years. More realistically, even if many people did do this, if the family is tight that money would be used up way before 20 years because of some medical emergency, needing to pay rent, needing to leave a rent deposit, needing to get some sort of car- no matter how junky, needing to see a dentist- the list goes on an on. You are living in a world that many people would consider fantasy with your 20 year at $40 a month technique.