When Budgeting Gets Personal—Tips for Building a Financial Safety Net
According to The News Tribune, families across the U.S. are struggling to save for life’s big milestones—college, buying a home, or preparing for retirement. And it’s no surprise: inflation, debt, and stagnant wages have made budgeting more stressful than ever.
But building a financial safety net doesn’t require massive wealth. It starts with small, intentional steps. That’s where UNest comes in.
UNest helps families invest for their children’s futures, even when times are tight. You don’t need to be a financial expert or have thousands in the bank to make real progress. You just need the right tool—and a little consistency.
Here are 3 ways UNest supports families trying to save smarter:
- Simplicity that encourages action
UNest makes it easy to start investing with as little as $25/month. No confusing paperwork. No intimidating financial lingo. Just a straightforward way to begin saving for what matters most. - UNest Rewards = money back into your future
Shop with brands you already use, and earn contributions directly into your child’s investment account. It’s one of the few rewards programs that actively grows your savings. - Flexible goals for your family’s unique journey
Whether you’re saving for college, a first apartment, or an entrepreneurial dream, your child’s UNest account is there to support their journey—not box them into a specific outcome.
The News Tribune piece reminds us that financial peace isn’t about having “enough” in a general sense. It’s about taking control over your future. Every little bit helps, especially when it’s consistent and automated.
UNest helps replace guilt and guesswork with a plan that builds confidence. Even if you’re just starting out—or starting over—you can still build toward a brighter future.📲 Start building a financial safety net today—your future self will thank you.
Don't just take our word for it
Hear what trusted money experts say about why UTMA and UGMA accounts can be a smart way to invest for a child’s future.
There are some tax advantages to using UGMA and UTMA accounts… Since they’re in your child’s name, the accounts will be taxed according to their tax bracket… There are no contribution limits on UGMA and UTMA accounts.
Dave Ramsey
Personal Finance Expert
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Investing for your kid’s future
Dave Ramsey
Personal Finance Expert
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...you could consider opening an account where you can dive deeper with the kids by your side. The easiest way to do so is to open a custodial account, known as an UGMA ... or UTMA ... account.
Jill Schlesinger
Emmy winning Business Analyst
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Straightforward “starter” investing account for kids
JILL SCHLESINGER
Emmy winning Business Analyst
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You can give children money that can accumulate somewhat tax-free over time... I love them (UTMAs) because they were like, trusts that you didn't need lawyers to create.... I think it's one of the better tax breaks around though. I know hunting for tax breaks may not sound very exciting, but that's how you take care of your family.
Jim Cramer
CNBC Host
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Give children money that can accumulate over time
Jim Cramer
CNBC Host
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