Latest / The College Savings Podcast with Fexingo: 529 Plans, Education Funding, and Student Costs
How 529 Plans Quietly Drain Your Retirement Savings
Most families treat their child’s college fund and their own retirement nest egg as separate buckets, but recent data suggests a dangerous overlap. In this episode, we examine the 'asset allocation mismatch' that occurs when parents aggressively grow 529 plans in equities while keeping their personal retirement accounts overly conservative. We look at how this imbalance creates liquidity traps during market downturns, forcing parents to liquidate college funds at bad times or delay their own retirement. Using specific examples from mid-2026 market volatility, we show why your 529…
The skinny
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