Gan, thanks for the info.
Coz this friend of mine i guess she has misinterpreted. She said needs to be done before child turns 2years old...i was quite shockeed to hear coz to save $6k within 2 years, for me it is not easy..hehehe....need to think of other expenses too.
So now, I can take it easy, i have 6 years to save the $6k...phew...hehehe