Latest / The College Savings Podcast with Fexingo: 529 Plans, Education Funding, and Student Costs
529 Plans vs Roth IRAs for College Savings
Lucas and Luna compare 529 plans and Roth IRAs as college savings vehicles, focusing on a real case: a family deciding between the two. They break down the key trade-offs—tax treatment, contribution limits, financial aid impact, and flexibility—using a $10,000 annual contribution example. Listeners learn the specific scenarios where one option clearly beats the other and the surprising advantages of a Roth IRA for certain families. The episode includes concrete numbers and a practical framework for making the choice.
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The skinny
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