Good stuff, Daniel! I contribute each month to our kids' accounts and have taken a similar approach of upping the contribution with milestones. One strategy I'm hoping to apply soon is to front-load their 529s. Pay in upfront lump sums what I'd otherwise pay in on a monthly schedule. Thereby giving that upfront money time to grow even more before they turn 18. Nice post!
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2:27 PM
I have 2 kids, a 4yo Girl and a 2yo (we will round up 3 weeks) Boy. As soon as I got their SSN's (which takes a surprising amount of time, weeks to months after you file the initial Birth Certificate) my kids were the proud owners of a bank account and a 529 plan (they also have an investment account... I like to keep the money they get as gifts in their cash/investment accounts).
So then I came up with the 529 Plan Plan -- how to, with our own money (avoiding any presumption of windfalls/etc) to fund their college education. My parents paid for mine and I want to pay it forward as much as feasible (we are already funding ~25% of our net into our retirement accounts(plus another 8-9% to taxable accounts), so we already are paying ourselves first). Not seen on here is that thanks to a trip to Afghanistan I was able to sign my Post-9/11 GI Bill to my kids, so each gets 2 years of 50% college costs + books + a housing stipend. And who knows what college is going to look like in 14 years, I cannot see the current trend continuing.... But at least I am making the effort to cover them. And since my state plan (Virginia) allows me to deduct contributions from my State taxes it at least reduces the burden on us.
The plan is simple, 100 dollars a month, increasing that amount by 10 dollars every birthday. One catch to the plan in that there a 130 dollar a month jump on their 5/6th birthday. That is the celebration of them not being in daycare anymore, it represents less than 10% of the monthly cost.... (side note, there is a plan for at least some of that money as well... while post-daycare the kids costs will seem light as feather, it is better to save and bank that money (50%) to cover things like camp, after-school, etc). I also programmed in conservative returns for the duration.
Below is a screenshot of my google sheets that contains the original plan, combined with the actual's (since I like seeing how the battle plan matches up with reality).
"My 529 Plan Plan"
6 Comments -
Good stuff, Daniel! I contribute each month to our kids' accounts and have taken a similar approach of upping the contribution with milestones. One strategy I'm hoping to apply soon is to front-load their 529s. Pay in upfront lump sums what I'd otherwise pay in on a monthly schedule. Thereby giving that upfront money time to grow even more before they turn 18. Nice post!
7:14 AM
I like 529 except that they limit you to a single state. You can also contribute to Coverdell ESAs that are not tied to Virginia only.
3:43 PM
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3:15 AM
Good blog! You have a successful blog and have posted a fascinating article. I truly enjoy reading your blog since it tells the story of a media addict that is highly interested. and after reading your site, I now know more about the 529 plan, and I'll look up additional information. Anyway, I require business assignment writing service today. I have an urgent assignment to complete, and I am confident in this service have ability to do it with excellence. and I think you'll come to this website for assistance with your assignment.
9:44 AM
I was diagnosed with stage 3 breast cancer in August of 2010. A precious friend told me about Dr Itua Herbal Center in West Africa,She gave me his contact number and email address,I contacted him quickly so he give me guaranty that his herbal medicine will cure my cancer and i will be heal forever I said Okay.I ask him about the process for the cure,he ask me to pay for the fees which i did and within 7 working days he sent me the herbal medicine then he instructed me on how to drink it for two weeks to cure.I told Gomez my friend about the herbal medicine so he gave me go ahead to drink it.So after drinking it for two weeks i was cured I'm so grateful and i promise i will recommend anyone with cancer to him and that what i'm doing.
Dr Itua told me he can cure the following disease.Cancer,Hiv/Aids,Herpes,Diabetes,Parkison,Copd,Hepatitis.. Here Is His Contact Info......[Email...drituaherbalcenter@gmail.com/Whatsapp...+2348149277967]
2:27 PM