Yes, this. My parents had very little to no ability to save money due to dealing with basic survival plus raising me. Had my father not passed away, they likely would not have saved any sort of money to support a college fund.

A fair amount of that money went to support my family because by that time my mother and my step father (also a fisherman) were disabled as a result of their job and practically unable to work. It was through that money plus the aid I got from FAFSA that allowed me to get through college and support my parents, though I had to make many other health sacrifices along the way.