Latest / The College Savings Podcast with Fexingo: 529 Plans, Education Funding, and Student Costs
How to Beat College Cost Inflation With Smart 529 Timing
With college tuition rising faster than general inflation, many families are stuck in a savings race they cannot win. This episode explores a specific strategy: using the timing of contributions and investment allocation to combat the widening gap between household income growth and higher education costs. We look at how shifting from aggressive growth to more conservative, tax-advantaged locking mechanisms can protect principal when a child is three years away from enrollment. Lucas and Luna break down the math behind delayed contributions, state tax deduction cliffs, and the hidden…
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