Saving for College
Build an education fund without sacrificing retirement
How 529s, custodial accounts, and Coverdells really work, how college savings affect financial aid, and how to build a realistic plan.
4 lessons · about 29 minutes total · 100% free
Saved on this device only — no account needed.
1. The 529 plan, explained
What a 529 is, which expenses count, the $20,000 K-12 limit, the $35,000 Roth rollover, and what a non-qualified withdrawal costs you.
7 min read
2. Custodial accounts and other ways to save
A 529 is one container among several. Compare UGMA/UTMA custodial accounts, Coverdell ESAs, taxable brokerage accounts and savings bonds on control, taxes and spending flexibility.
7 min read
3. Saving without hurting financial aid
See how the FAFSA's Student Aid Index counts your savings: parent assets at up to 5.64%, student assets at 20%, and retirement accounts not at all.
8 min read
4. Building a realistic college plan
Build a college plan that fits your budget: a right-sized target, retirement first, an automatic monthly transfer, and clear exits for leftover 529 money.
7 min read