Every dollar adds up
With prices still high for basics like groceries and childcare, many families feel they can’t set aside money for the future. The good news: you don’t need to start big. Even $25 a month can create a meaningful cushion over time. According to the Bureau of Labor Statistics (2025-09-11), food prices rose just 2.2% year-over-year, down from prior spikes, but costs remain elevated. See the CPI release here.
Why a UTMA helps
A UNest UTMA is a custodial account that lets you save and invest on behalf of your child. Unlike 529 plans, which are generally limited to education, UTMA funds can be used for a broader range of expenses that benefit your child – from summer programs to a first car. Assets typically transfer to your child at your state’s age of majority, and like all investments, the value may go up or down.
Small steps, big difference
Families often underestimate the impact of steady, automated saving. For example, putting aside $25 a month adds up to $300 a year. Over several years, those contributions – plus any potential growth – may provide flexibility for future needs. The key is consistency, not perfection.
Wrap-up
You don’t have to wait until you “have extra” to start. Open a UNest UTMA and automate $25/month. Your future self, and your child, will thank you for planting the seed today.
