Millennial parents are rewriting the rules – and 2026 is shaping up to be a major turning point in how families raise their kids. According to Scary Mommy, parents today are actively moving away from outdated approaches in favor of more inclusive, child-centered, and financially conscious parenting.
From rejecting toxic positivity to setting healthier work-life boundaries, millennial caregivers are making intentional choices about the values they want to pass on. They’re also ditching the guilt associated with “me time” and investing more in their children’s emotional and financial well-being – not just their academic performance.
One major theme is sustainability – not just in how families consume products, but how they plan for their future. Parents are more focused on creating lasting systems of support. That includes saving early, talking openly about money, and setting their kids up with the tools they need to thrive as adults.
At UNest, we believe this mindset shift is powerful.
We’re seeing more families ask, How can I give my child not just love and support, but a real financial foundation?
That’s exactly where a UTMA (Uniform Transfers to Minors Act) custodial account can help. Unlike traditional savings accounts, UTMA accounts allow you to invest on behalf of your child from an early age – with flexibility to use the funds for a wide variety of future goals, not just college. Whether it’s a first car, starting a small business, or moving into a new apartment, these funds grow alongside your child.
By taking small, consistent steps now – like contributing $25 a month – parents can build meaningful wealth for their children without sacrificing their own financial health.
The new wave of parenting isn’t about perfection. It’s about showing up intentionally, creating space for growth, and investing in what really matters. Financial preparation is part of that journey, and we’re here to support families every step of the way.
Want to give your child a flexible financial head start?
