『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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  • How 529 Plans Can Pay for Your Child's Entrepreneurship Program

    How 529 Plans Can Pay for Your Child's Entrepreneurship Program
    2026/06/08
    In this episode of The College Savings Podcast, Lucas and Luna explore a growing education trend: using 529 plan funds to cover entrepreneurship programs for kids and teens. They break down the IRS rules around qualified expenses, look at real-world examples like startup incubators for high school students and summer business camps, and discuss how parents can document costs to stay compliant. They also touch on the broader shift toward non-traditional education paths and why 529 plans are evolving to match. Plus, the hosts explain how listeners can support the show's ad-free mission at buy me a coffee dot com slash fexingo. #529Plan #EntrepreneurshipEducation #CollegeSavings #QualifiedExpenses #IRS #EducationFunding #YouthEntrepreneurship #StartupCamp #BusinessCamp #NonTraditionalEducation #TaxAdvantaged #FexingoBusiness #BusinessPodcast #Finance #CollegeSavingsPodcast #Parenting #SummerProgram #Incubator Keep every episode free: buymeacoffee.com/fexingo
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    10 分
  • Using 529 Plans for Independent Study and Credit-by-Exam Fees

    Using 529 Plans for Independent Study and Credit-by-Exam Fees
    2026/06/08
    Episode 38 of The College Savings Podcast explores how families can use 529 plan funds to cover costs associated with independent study programs and credit-by-examination fees, like those for the College-Level Examination Program (CLEP) and Advanced Placement (AP) exams. Lucas and Luna discuss the IRS rules that allow these expenses to qualify as qualified higher education expenses (QHEEs) when the exams are taken for college credit at an eligible institution. They walk through a concrete example: a student pays $100 for a CLEP exam and $50 for a proctoring fee — both can be covered by a 529 plan. They compare this to the cost of a three-credit college course, potentially saving thousands. The hosts also caution about tax implications if the exam doesn't lead to credit, and highlight a 2022 IRS Private Letter ruling that clarifies the rules. This episode is a practical guide for parents and students looking to minimize college costs using existing 529 funds. #529Plan #CreditByExam #CLEP #APExam #IndependentStudy #CollegeSavings #QualifiedHigherEducationExpenses #IRS #PrivateLetterRuling #TaxAdvantaged #CollegeCosts #EducationFunding #StudentCosts #Finance #PersonalFinance #FexingoBusiness #BusinessPodcast #CollegeSavingsPodcast Keep every episode free: buymeacoffee.com/fexingo
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    7 分
  • 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
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