So your parents have been throwing giant heaps of money into a college fund ever since you were born, and now you're free to attend the institution of your dreams. Kudos to them. Mom and dad did their job, now it's time to do yours—disappointing them. Take that money and put it to good use. Convince your ultra-naive folks to write you a fat check for the start-up of your dreams. Novelty t-shirts? Witty posters? Tons of drugs and alcohol? If you can sell the investors on it, it's yours.