$$ 大部分收入进defined benefit plan, it is retirement asset, not counted (or big discount); 平时旅游全是business expenses, net income is very low. 自建房可以有$1 mil+ equity, not counted ......

so they are low taxable income and low asset when file FAFSA. 拿W2 的人，流流口水，乖乖开个529吧