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529s and Spending for College
Answering reader questions about 529 accounts, how to invest them, and how to spend them down. We also discuss ways to help pay for college, and we a…
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How To Pay For College With A 529 Plan [529 Plan Distributions]
Taking money out of a 529 plan is more complicated than putting money into a 529 plan. Here's how to take money out without getting penalized. The po…
529 Plans Grow 8% in Q2 2025 Before Big Rule Changes
529 plans grew nearly 8% in Q2 2025, ahead of major rule changes expanding qualified expenses. The post 529 Plans Grow 8% in Q2 2025 Before Big Rule …
New 529 Plan Rules Help Fund Credentials And Job Training
529 savings plans now support workforce training and credentials, including HVAC, plumbing, bar exams, and more. The post New 529 Plan Rules Help Fun…
You Should Love The 529 Plan More After OBBBA Passed
As soon as both my children were born in 2017 and 2019, I superfunded their 529 plans equal to the five-year gift tax exemption. At the time, I was t…
529 Plans Now Cover More K-12 Education Costs
529 plan funds can now cover books, online materials, and testing fees for K-12 students. The post 529 Plans Now Cover More K-12 Education Costs appe…
How To Use A 529 Plan For Private Elementary And High School
You can now use a 529 plan for K-12 Education up to $20,000 per year to pay for your children's private primary and secondary eduction expenses. The …
Can You Use A 529 Plan For SAT Or ACT Test Prep Or Tutoring?
SAT and ACT prep courses can get expensive quickly. Unfortunately, you cannot use a 529 plan to cover the cost. The post Can You Use A 529 Plan For …
529 Plan Account Balances Just Hit A Record In 2025
529 plan balances jumped to $525B in 2025, driven by a new Roth rollover rule. Here’s why parents are saving more. The post 529 Plan Account Balances…
529 Day Offers Bonuses To Start Saving For College
Key PointsMay 29 is recognized nationally as “529 Day,” with states and financial institutions offering bonuses, giveaways, and events to…
House Tax Bill Adds MAGA Accounts And Expands 529 Plans
Breaking down the House Ways and Means Committee Budget Reconciliation Bill, as it relates to higher education, student loans, and education tax bene…
What Are Qualified Expenses For A 529 Plan (And What Doesn’t Count)?
Wondering what are qualified expenses for a 529 plan? Here's exactly what can and can't be covered by your 529 college savings plan. The post What Ar…
Why I Still Don’t Love 529s (even with 529-to-Roth rollover)
From the inbox: Jeremy, I remember that you aren’t a big fan of 529s. But now that you can move excess 529 funds into a Roth IRA (thanks to Sec…
States Push Back On 529 Plan Churning With Withdrawal Limits
Some states are cracking down on 529 plan churning (simply running funds through without investing). Learn which rules might reduce your tax savings.…
Ask HTM: Responding to a Rental App Denial, Crummy 529 Plans, and Buying Land as an Investment for …
Let’s dive into the week with some fresh listener questions we have lined up for you! And don’t just stand on the sidelines- if you have a ques…
How To Use A 529 Plan For Estate Planning
Wondering if it would be beneficial to use a 529 plan for estate planning? We explain when that strategy could make sense and how to do it. The post …
How To Gift Money To A 529 Plan
Want to gift money to a 529 plan? Learn the best ways to contribute, tax rules to know, and how to avoid common mistakes when giving to college savin…
529 Plan Strategies For A Stock Market Drop
With the stock market down, should families adjust their 529 plan investments? Learn the best strategies based on your child’s age. The post 529 Plan…
529 Insanity
You don't need $1 million in a 529. A 529 doesn't have to pay for everything either. Here's how to break away from the 529 lunacy. The post 529 Insan…
Are There Time Limits Or Age Limits On 529 Plans?
529 plans have no time limits or age limits. Learn how long you can keep and use education savings funds. The post Are There Time Limits Or Age Limit…