Like a lot of people my age, the first computer I ever used was an Apple IIe, back in elementary school, which was full of them.

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The money grows tax deferred and can be withdrawn tax free if used for "qualified educational expenses, " which include not just college but also private elementary and secondary tuition, tutoring and even a computer.

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Some years ago, I paid a visit to a friend and found her elementary school-aged kids giggling in front of the computer screen.

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