The Nest Egg #6: These Florida kids saved $42k in 3 months
What 189 kids pulled off in one summer, plus a deal from our partners at ClearClub.
By the UNest team · 7 min read
Hi there,
Every year you have a gift to figure out, and the answer is rarely obvious. Meanwhile you are up at 2am grinding your teeth over the school year, the sports fees, and buying your kid new clothes. We have you covered. Our partners at ClearClub have a deal on guards for the teeth part, and our Rewards section has money back on brands like Gap and Old Navy for the clothes. For the rest of it, there is your child's gifting link, which gives friends and family an easy way to put money in your child's account!
Here is what we have for you this week:
What 189 kids in Florida pulled off in one summer, where the market stands heading into the last four months of the year, and a mom of two worth a follow.
This week's letter is featured by our partners at ClearClub, and they brought a great deal just for you.
Let's get into it! — Mitch, from The Nest Egg team
💡 FOR PARENTS
189 kids saved $42,337 in three months
189
young savers, all 17 and under
$42,337
deposited between April and June
Okaloosa County, Florida · Teach Children to Save, run by Okaloosa Saves with Eglin Federal Credit Union and six other institutions
Nearly 200 kids in Florida pooled together over $42,000 in savings through a local campaign. Honestly, that is extremely impressive. What it shows is something parents here already know: when kids get a savings goal and a little encouragement, they run with it, and the habit tends to stick.
“Financial literacy is one of the most important life skills we can offer our children...”
— Trey Goodwin, Okaloosa County Board Chairman
📰 Read: what the kids pulled off →
You don't have to wait for a school program to teach your kid about saving. Use their UNest account as a way to teach and encourage them to save and match that energy! 👇
Set up a recurring contribution
Figures: The Credit Union Connection, "189 Kids Just Saved Over $42K," July 21, 2026, reporting 189 participants and $42,337.39 in combined deposits from April through June 2026 in the Okaloosa Saves Teach Children to Save campaign, and quoting Okaloosa County Board Chairman Trey Goodwin. UNest is not affiliated with Okaloosa Saves, Eglin Federal Credit Union, or any institution named in that report, and receives no compensation from them. Savings account deposits are not investments and are not comparable to a UNest account. Nothing here is a projection or a promise of results. Investing involves risk and investments may lose value. Past performance is no guarantee of future results. This is not investment, tax, or legal advice.
🦷 FROM OUR PARTNER
20% off your smile essentials
From ClearClub
Meet ClearClub, a company making custom dental care more accessible without the high price tag. From custom night guards to retainers, sports mouthguards, and teeth whitening kits, ClearClub delivers personalized smile care at a fraction of traditional dental costs.
UNest customers get 20% off any ClearClub product with code UNESTXCC20.
WHY THEM
We are proud to partner with ClearClub because they offer their products at such a low price and their team is so helpful and friendly. I have an old retainer that I didn't want to pay to replace, but with this 20% off deal I'm definitely going to!
— Mitch
Offer provided by ClearClub and subject to its terms, product availability, and expiration. Discount applies at clearclub.com with code UNESTXCC20 and cannot be combined with other offers. Product and pricing claims are ClearClub's own and have not been independently verified by UNest. ClearClub is a UNest marketing partner and this placement is part of a promotional arrangement between the two companies. Purchases are transactions with ClearClub, not with UNest, and are not investment products or advisory services.
We have more deals available in our rewards section, check it out here!
Rewards rates vary by partner and are subject to change.
📈 MARKET MOMENTUM
A strong August, and a friendly setup into year-end
Fall is shaping up to be a pretty good time to be a long-term investor, which is exactly what your kid is. The S&P 500 is up 12.8% year-to-date. Historically, when August closes positive after a strong first half like this one, the market has finished the year in the green 10 out of 11 times. No guarantees, of course, but that's the kind of context that makes it easier to just stay the course.
What this means: The best thing you can do right now? Keep those contributions going. Time in the market is the part you control.
This August vs. last August
S&P 500 index return, 2025 and 2026
AUGUST
2026 ▲ 3.0%
2025 ▲ 2.03%
YEAR TO DATE, THROUGH AUGUST
2026 ▲ 12.8%
2025 ▲ 10.79%
All four bars use the same scale. Sources are listed below.
Source: GuruFocus, “S&P 500 Enters Year-End With Powerful Historical Setup,” August 28, 2026; historical data from Carson Investment Research and FactSet. The S&P 500 advanced 12.8% year to date through August 27, 2026 and rose 3.0% in August. The 10-of-11 figure refers to completed years in which the index gained 10%–17.5% through August and also posted a monthly advance; September–December returns were positive in 10 of those 11 cases. Historical patterns are not forecasts and are not indicative of future performance. August 2025 figures (2.03% for the month, 10.79% year to date through August) are as reported by Gateway Investment Advisers in its August 2025 market recap and by Seeking Alpha on September 1, 2025. Figures are index returns as reported by each source; the sources do not state whether dividends are included, and returns for the two years may not be calculated on an identical basis. Past performance is no guarantee of future results.
🎁 GIFTING
Grandma wants to help.
Give her a way to.
A birthday, a holiday, a good report card, any reason at all. Tell your friends and family to contribute to your kid's future.
Share your child's gifting link and anyone can add to their account in a few taps. No app download, no account setup on their end.
🎁🎂🎉
Open your child's account from your home page and tap Gift to grab the link. Send it in a text, an email, or an invitation.
🎙 INFLUENCER OF THE WEEK
@mamaoftwo29
Simple living❤ real life mommin’
Why we love her
She posts the real parts of parenting two kids, plus honest takes on the products she actually keeps using. She keeps it practical, and shows what actually works in a real house on a real budget.
— The Nest Egg team
Investing in their future starts with the little things 💚
Not a paid partnership: @mamaoftwo29 received no compensation from UNest for this feature or for the linked video, and UNest did not pay for its content. Her views are her own, reflect her personal experience, and are not representative of all clients. This is not investment advice.
🗳 QUICK POLL
LAST POLL RESULTS
“Has a relative ever asked you what to get your kid?”
The winner: “Every birthday.” Same relative, same question, every single year. And they mean it kindly. If you want your aunts and uncles to give something that outlives the wrapping paper, don't forget you can give them your gifting link!
👇 VOTE THIS WEEK
How long have you been meaning to get a mouthguard?
I have one, it needs replacing
A few weeks
Months
Honestly, years
Tap to vote, and results land in next week's issue.
Earn $20 for every friend
who invests
When a friend signs up and completes 3 consecutive monthly deposits, you get $20.
💬 FEEDBACK
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