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cover of episode How to Create Huge Tax Savings Funding Your Kid’s College (& FIRE on Time!)

How to Create Huge Tax Savings Funding Your Kid’s College (& FIRE on Time!)

2025/5/9
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BiggerPockets Money Podcast
AI Deep Dive Transcript
People
A
Amberley Grant
M
Mindy Jensen
S
Scott Trench
Topics
Mindy Jensen: 我目前没有为孩子的大学教育存钱，这让我很焦虑。我将与大家分享我如何规划孩子的大学教育，以及如何平衡大学学费和提前退休(FIRE)的目标。虽然我目前没有为孩子的大学教育存任何钱，但我相信通过合理的规划，我们可以实现这个目标。 我将与大家分享我的经验，以及我们如何找到“免费”资金，例如政府补助金和奖学金。同时，我们也会比较流行的大学储蓄账户，例如529计划和UTMA账户。 最终，我希望找到一种方法，既能为孩子的大学教育提供资金，又能确保我的财务未来，并按计划提前退休。 Scott Trench: 我有两个孩子，一个两岁半，一个一个月大。我目前不打算提前转移大量财富给孩子，但我想为他们的大学教育提供资金，包括他们上昂贵的私立大学的费用。 我认为，相对于通货膨胀而言，未来大学的费用会比现在低。因此，我不希望过度投资529计划。我的目标是准确地计算出所需资金，并利用529计划的税收优惠来最大限度地减少税收负担。 我也会考虑其他投资方式，例如债务基金或私人贷款，以获得更高的回报。我会根据孩子的实际情况调整我的计划，并确保我的财务未来得到保障。 Amberley Grant: 我有两个孩子，我为每个孩子设立了1万美元的大学储蓄账户，并计划每年额外存入1500美元，直到他们18岁。我会利用科罗拉多州529计划的税收优惠来最大限度地减少税收负担。 我建议大家根据自己的实际情况选择合适的大学储蓄账户，例如529计划和UTMA账户。529计划的资金可以用于K-12教育、书籍、用品、学生贷款还款、食宿等。 我并不认为一定要为孩子的大学教育支付全部费用，重要的是要确保自己的财务未来得到保障。孩子也可以通过奖学金、贷款等方式来支付大学费用。

Deep Dive

Shownotes Transcript

Paying for college is one of the biggest financial hurdles families face—even as you’re chasing or approaching FIRE). What’s the smartest way to save for higher education while also securing your financial future? Scott, Mindy, and Amberly are breaking it all down on today’s episode!

Welcome back to the BiggerPockets Money** podcast**! There are several ways to fund your child’s education, and if you’re actively building wealth, you likely have even more options at your disposal. We’ll show you how to find “free” money through government grants and scholarships, but since these could be off the table for those who are pursuing financial independence), we’ll also compare popular college savings accounts)—like the 529 college savings plan and UTMA (Uniform Transfer to Minors Act) account. If you want to limit your tax liability, one option reigns supreme!

We know this is a *personal *decision, and you shouldn’t be guilted into one direction or the other. Whether you’re saving for your own children, your grandkids, or just curious about how to balance college tuition costs) with FIRE goals, we’ll equip you with a practical roadmap for funding education on your own terms—one that keeps you on track to retire early)!

In This Episode We Cover

How Scott, Mindy, and Amberly are funding their children’s college education)

The pros and cons of 529 college savings plans versus UTMA accounts

How to uncover “free money” to help pay for college tuition costs

State-specific tax benefits to keep in mind when contributing to a 529 plan

Securing your financial future before saving for higher education

And **So **Much More!

Check out more resources from this show on ⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠) and ⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/money-639)

*Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email *⁠⁠⁠⁠⁠[email protected])

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