The Benefit of Starting Before Kindergarten vs Waiting
A head start compound advantage grows faster than you think. If you’re saving for a child, time is your biggest ally. Beginning before kindergarten—even with very small amounts—gives your contributions…
Job worries are rising – here’s what to do for your kids
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…
Gas Down Slightly? Redirect the Savings to Your Grandkids
What’s happening Gas prices dipped heading into fall. AAA reported the national average fell five cents in the week ending Sept 25 to $3.15, helped by lower seasonal demand and…
Credit Card Use Is Down. Use That Space to Fund Your Kid’s Future
What’s happening Americans are cutting back on credit-card use. According to MarketWatch (2025-10-07), credit-card balances fell 2.5% year over year in August—the steepest drop since 2020. The Federal Reserve’s G.19…
Boomers over-gift; here’s a smarter way
Grandparents often want to shower their grandkids with love, and what better way than gifts? But many millennial parents see a problem: the stream of stuff is overwhelming, cluttered, and…
What Can a UTMA Actually Pay For?
If you’re a Millennial or Gen Z parent, you’ve probably seen how fast costs pile up for kids—school, activities, tech, even therapy. A UTMA account (Uniform Transfers to Minors Act)…
“Buy Now, Pay Later” is moving into groceries and bills—here’s why that’s risky
“Buy Now, Pay Later” is moving into groceries and bills—here’s why that’s risky “Buy Now, Pay Later” (BNPL) was meant for big purchases like furniture or gadgets. But more families…
Why UTMA Accounts Make Sense for Helping Grown Children (Not Just for College)
A recent Wall Street Journal article by Hannah Erin Lang (“She’s 7 Years Old. Her Parents Are Saving to Support Her When She’s 30.”, Aug. 25, 2025) highlights a growing…
Why the Rising Cost of College Makes Flexible Savings Smarter Than Ever
College costs keep climbing, and the latest Trends in College Pricing report from the College Board confirms what many parents already feel: tuition and fees rise year after year. In…