Latest / The College Savings Podcast with Fexingo: 529 Plans, Education Funding, and Student Costs
529 Plans as a Backup Retirement Account
Episode 11 of The College Savings Podcast with Fexingo explores a little-known 529 strategy: using leftover funds as a retirement cushion. Hosts Lucas and Luna break down the SECURE 2.0 provision allowing 529-to-Roth IRA rollovers, with a real-world example of a couple who overfunded their son's plan. They walk through the $35,000 lifetime cap, the 15-year holding requirement, and the annual Roth contribution limits. The conversation also covers caveats like earned income rules and the impact on financial aid. Perfect for parents wondering what happens if their child doesn't use all…
The skinny
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