What’s happening
Americans are feeling more anxious about jobs and pay. In September, the New York Fed’s Survey of Consumer Expectations found the chance that unemployment will be higher a year from now rose to 41.1%, the chance of losing one’s job increased to 14.9%, and expected earnings growth slipped to 2.4%—its lowest level since April 2021 (data from September 2025).
Coverage from Reuters and Barron’s echoed the same trend—more concern about the labor market and inflation as families tighten budgets.
Why it matters for your family
When job news turns uncertain, it’s tempting to freeze. But your child’s future doesn’t have to wait for the economy to calm down. A small, steady monthly habit – even $25 a month – can help you build long-term security for your child. The key is consistency, not perfection. You can always pause or adjust the amount if your income changes.
Tiny move today (5 minutes)
- Open a UNest UTMA – a custodial account for your child.
- Automate $25/month. Pick a date that fits your budget.
- Share your UNest gift link with one relative or friend who loves giving meaningful gifts.
Small deposits matter more than perfect timing. Over time, those little contributions can grow into real options for your child’s future.
Open a UNest UTMA and automate a simple monthly contribution today.
What a UTMA covers (and how it differs from a 529)
- UTMA: A custodial account for a minor. Funds must benefit your child and can be used for more than college – think laptops, braces, sports fees, or summer camps. Assets generally transfer to your child at your state’s age of majority. Gifts are irrevocable.
- 529 plan: Built for education-related costs with tax advantages if used for qualified schooling expenses. State rules vary, so it’s wise to compare both options for your goals.
Simple guardrails (we keep it real)
- There are no guarantees – investments can lose value.
- This post is educational, not investment, legal, or tax advice.
