『The College Savings Podcast with Fexingo: 529 Plans, Education Funding, and Student Costs』のカバーアート

The College Savings Podcast with Fexingo: 529 Plans, Education Funding, and Student Costs

The College Savings Podcast with Fexingo: 529 Plans, Education Funding, and Student Costs

著者： Fexingo
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Lucas and Luna examine the mechanics of 529 college savings plans, education funding strategies, and the real cost of a degree. Each episode drills into specific plan types — prepaid tuition vs. savings plans, state tax incentives, and investment options — using public data from the College Board and IRS. They compare named universities' net price calculators, discuss the impact of FAFSA simplification, and weigh the trade-offs between 529s, Coverdell ESAs, and taxable accounts. Lucas cites the average annual tuition increase (3.1% per year since 2010) while Luna questions whether families should prioritize retirement over college savings. They explore income-driven repayment plans, scholarship negotiation tactics, and the role of community college as a cost-saving bridge. No generic 'start early' advice — instead, specific scenarios: a family in California vs. Texas, a single parent vs. dual-income household. The listener leaves with a clear understanding of how to match their financial reality to a funding roadmap. Can you afford the school your child wants without sacrificing your own future? #529Plan #EducationFunding #CollegeSavings #StudentLoanDebt #FAFSA #FinancialAid #TuitionCosts #CoverdellESA #ScholarshipStrategy #CollegeCosts #EducationFinance #StudentFinance #Finance #FexingoBusiness #BusinessPodcast #Business #PersonalFinance #MoneyManagement Keep every episode free: buymeacoffee.com/fexingo© 2026 Fexingo. All rights reserved. 経済学
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  • 529 Plans and Student Loan Refinancing Strategies

    529 Plans and Student Loan Refinancing Strategies
    2026/06/07
    In this episode, Lucas and Luna explore how 529 plans can be used strategically for student loan refinancing, a topic that many families overlook. They discuss the SECURE Act 2.0 provisions that allow up to $10,000 in penalty-free 529 withdrawals for qualified student loan repayments, including refinanced loans. Lucas explains the nuance of refinancing private loans versus federal loans, noting that refinancing federal loans means losing income-driven repayment options. Luna brings up the case of a listener who used a 529 to refinance her daughter's private law school loans, saving over $3,000 in interest. They also cover the state tax implications, as some states treat 529 withdrawals for loan repayment as non-qualified. Finally, they touch on the 2026 Roth IRA rollover option as an alternative for unused 529 funds. The episode is anchored by a specific example: a family with $25,000 in leftover 529 assets after a child graduates, weighing whether to save on state taxes now or roll into a Roth IRA for retirement. #529Plans #StudentLoans #Refinancing #SECUREAct2 #RothIRARollover #EducationFunding #Finance #CollegeSavings #StudentDebt #FexingoBusiness #BusinessPodcast #LucasAndLuna #TaxPlanning #LoanRepayment #PrivateLoans #FederalLoans #InterestSavings #PodcastEpisode Keep every episode free: buymeacoffee.com/fexingo
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    10 分
  • Using a 529 Plan for Your Child's Gap Year Program

    Using a 529 Plan for Your Child's Gap Year Program
    2026/06/07
    In Episode 36 of The College Savings Podcast, Lucas and Luna explore whether a 529 plan can cover expenses for a gap year program — think structured travel, volunteer work, or internships between high school and college. They break down IRS rules on qualified withdrawals, the difference between a legitimate educational program and a personal vacation, and how to document expenses to avoid penalties. Featuring a real example from a family using a 529 for a 10-week cultural exchange in Costa Rica, they explain what counts as 'room and board' when the student isn't enrolled at an eligible institution. They also touch on the 2026 rule allowing 529-to-Roth rollovers and how a gap year might affect that timeline. If you're considering a gap year for your teen, this episode gives you the concrete guidelines you need to avoid a tax surprise. #529Plan #GapYear #CollegeSavings #EducationFunding #Finance #FexingoBusiness #BusinessPodcast #QualifiedExpenses #IRS #RoomAndBoard #StudyAbroad #CostaRica #StudentCosts #TaxFreeWithdrawals #RothIRA #2026 #Podcast #CollegeSavingsPodcast Keep every episode free: buymeacoffee.com/fexingo
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    8 分
  • How 529 Plans Cover Trade School and Apprenticeship Costs

    How 529 Plans Cover Trade School and Apprenticeship Costs
    2026/06/06
    Episode 35 of The College Savings Podcast with Fexingo dives into an often-overlooked use of 529 plans: funding trade school, apprenticeship programs, and vocational certifications. Lucas and Luna explore the IRS rules that make these expenses qualified, walk through a concrete example of a welding apprenticeship costing $8,200 per year, and compare the flexibility of 529 funds against other education savings vehicles. They also discuss how recent SECURE Act 2.0 changes expanded the definition of qualified apprenticeships, including the $1,000 annual credit for employers. This episode also includes a brief note on why the show remains ad-free and how listeners can support it. Perfect for parents considering non-traditional paths for their kids or anyone wondering if 529 plans can pay for skilled trades training. #529Plans #TradeSchool #Apprenticeships #VocationalTraining #CollegeSavings #SECUREAct2 #SkilledTrades #Welding #Electrician #Plumbing #HVAC #QualifiedExpenses #EducationFunding #Finance #FexingoBusiness #BusinessPodcast #Podcast #TheCollegeSavingsPodcast Keep every episode free: buymeacoffee.com/fexingo
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    11 分
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