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Kid-havers Poll: how much money, if any, are you putting in a 529 every month

Inspired by the Utah thread
amethyst glittery circlehead
  01/18/18
Don't have a kid, but I already put in $100 a month.
Multi-colored nursing home alpha
  01/18/18
Wut?
amethyst glittery circlehead
  01/18/18
Flame. You need a beneficiary SS# to set one up
bipolar shrine
  01/20/18
you can just name yourself and change it to the kid later
floppy honey-headed abode sound barrier
  01/20/18
TCR
thriller sinister jewess
  01/22/18
FIL is doing that. 150/mo since 3 months old. Assuming, of...
free-loading state gaping
  01/18/18
i have a eth wallet for each kid and transfer a little bit e...
bateful opaque milk party of the first part
  01/18/18
CR
Boyish Therapy
  01/18/18
Max of $28k/year. Should’ve superfunded it in retrospect. ...
dull racy institution
  01/18/18
Does CA give you a tax break on 529 deposits?
amethyst glittery circlehead
  01/18/18
Nope no tax breaks unfortunately but the expense ratios for ...
dull racy institution
  01/18/18
Zero. Either his dad will pay for college or I’ll contribut...
mahogany beady-eyed sanctuary affirmative action
  01/18/18
bizarre post
amethyst glittery circlehead
  01/18/18
Are you divorced?
titillating fuchsia point cumskin
  01/18/18
No
mahogany beady-eyed sanctuary affirmative action
  01/18/18
why not? i don't know that much about 529 plans and am genui...
bateful opaque milk party of the first part
  01/18/18
It’s not pretax but is tax free growth, which is pretty grea...
titillating fuchsia point cumskin
  01/18/18
ty. if you are putting money away specifically for college s...
bateful opaque milk party of the first part
  01/18/18
Pretty much.
titillating fuchsia point cumskin
  01/18/18
It’s a fucking handout to the scam education complex
impertinent vengeful roommate
  01/18/18
...
White Fantasy-prone Range Boltzmann
  01/21/18
How is avoiding a 15-23.8% cap gains tax “not that great of ...
dull racy institution
  01/18/18
...
balding excitant trailer park scourge upon the earth
  01/18/18
shots fired
bateful opaque milk party of the first part
  01/18/18
Rare credited posted from our resident bug litigator
coral house
  01/18/18
OooooooF
deranged sex offender private investor
  01/18/18
TitcOOOF
free-loading state gaping
  01/20/18
Rawr
Sable Mad-dog Skullcap
  01/20/18
First, you are speaking condescendingly, assuming I don’t ha...
mahogany beady-eyed sanctuary affirmative action
  01/20/18
So you suggest draining a roth ira to fund your kids college...
Razzle-dazzle frum parlour
  01/20/18
I’m suggesting there’s not a huge difference between a Roth ...
mahogany beady-eyed sanctuary affirmative action
  01/20/18
Okay ill agree that you should first max a 401k, then roth i...
Razzle-dazzle frum parlour
  01/20/18
Lol
Bespoke big brunch
  01/20/18
Spics_are_stupid.txt
slippery copper mental disorder set
  01/20/18
What you are essentially saying is most people can’t save fo...
rough-skinned address
  01/20/18
Julia is remarkably dumb, news at eleven
amethyst glittery circlehead
  01/20/18
Your post is incoherent. Most people on this site are not t...
mahogany beady-eyed sanctuary affirmative action
  01/20/18
You are accusing me of being incoherent? You made some cl...
rough-skinned address
  01/20/18
You should get a tit job and become a "personal finance...
White Fantasy-prone Range Boltzmann
  01/21/18
...
Avocado exhilarant lodge athletic conference
  01/21/18
...
grizzly apoplectic boistinker temple
  01/21/18
You do understand that the limit you keep referring to is a ...
grizzly apoplectic boistinker temple
  01/21/18
...
gold university halford
  03/26/18
It's pretty sad that it took Julia 2 days to come up with a ...
Autistic Center
  01/20/18
"Just fund your retirement and college from the same $5...
stimulating bronze dog poop
  01/20/18
You’re completely missing the point. If you’re middle income...
mahogany beady-eyed sanctuary affirmative action
  01/20/18
Everyone here is $400k in-house
Alcoholic anal blood rage
  01/20/18
We should take a poll of how many people earn in excess of t...
mahogany beady-eyed sanctuary affirmative action
  01/20/18
So are you middle income? I though this whole thread was pre...
gold university halford
  03/26/18
You're tossing a credential that every sales'y "financi...
Crimson wonderful stage
  01/20/18
Uhh, CFPs absolutely recommend portfolio compositions.
mahogany beady-eyed sanctuary affirmative action
  01/20/18
CFA = designs the composition of risk-based portfolios CF...
Crimson wonderful stage
  01/21/18
pretty good example of 99% of financial planners being flame...
soul-stirring wild locus half-breed
  01/20/18
She’s an unadulterated retard.
amethyst glittery circlehead
  01/20/18
My reasoning to not contribute to an IRA is unrelated to the...
mahogany beady-eyed sanctuary affirmative action
  01/20/18
By the time your kid is college-age, your husband will be in...
federal silver tanning salon feces
  01/20/18
You guys think he’s much older than he is. He’s only about a...
mahogany beady-eyed sanctuary affirmative action
  01/20/18
So he’ll be what? 70 or so when your kid starts college?
federal silver tanning salon feces
  01/20/18
65. I'll be 54.
mahogany beady-eyed sanctuary affirmative action
  01/20/18
lol, jfc
federal silver tanning salon feces
  01/20/18
Why should someone who can afford to save in both a Roth and...
soul-stirring wild locus half-breed
  01/20/18
If you can save in both, you absolutely should. If you can’t...
mahogany beady-eyed sanctuary affirmative action
  01/20/18
You do understand that the limit you keep referring to is a ...
grizzly apoplectic boistinker temple
  01/21/18
If you have a high net worth there is a huge benefit to a 52...
rough-skinned address
  01/21/18
You’re totally out of your element here. 529s don’t benefit...
dull racy institution
  01/21/18
Wrong, wrong, wrong. There are limits on contributions based...
mahogany beady-eyed sanctuary affirmative action
  01/21/18
...but you can just start another plan.
grizzly apoplectic boistinker temple
  01/21/18
Except that for a Roth IRA you have to wait until you are 59...
bateful opaque milk party of the first part
  01/20/18
No, you can withdraw for qualified educational expenses from...
mahogany beady-eyed sanctuary affirmative action
  01/20/18
You don’t have to pay the penalty but you do have to pay inc...
rough-skinned address
  01/20/18
wait so if you withdraw early but use for qualified educatio...
bateful opaque milk party of the first part
  01/20/18
That is exactly what I said.
mahogany beady-eyed sanctuary affirmative action
  01/20/18
do you have to pay tax on the gains when you withdraw from a...
bateful opaque milk party of the first part
  01/20/18
Not if you use it for a qualifying expense
rough-skinned address
  01/21/18
Yes, and you left out the key difference for why someone wou...
rough-skinned address
  01/21/18
Seriously. I'd be fucking pissed if I paid an "advisor...
Disgusting Rose Pocket Flask
  01/21/18
but julia isnt a financial advisor. she's a self proclaimed...
bateful opaque milk party of the first part
  01/21/18
yeah this is a pretty significant advantage of 529 plans. th...
bateful opaque milk party of the first part
  01/21/18
You can only withdraw the CONTRIBUTIONS from a Roth tax free...
dull racy institution
  01/21/18
not true
Nofapping mad cow disease library
  01/20/18
looks like i self pwned on this.
bateful opaque milk party of the first part
  01/20/18
is this flame? I really can't tell
Frozen Geriatric Queen Of The Night Office
  01/20/18
also lol @ using "personal finance expert" as of t...
bateful opaque milk party of the first part
  01/20/18
That’s what all the publications that quote me for financial...
mahogany beady-eyed sanctuary affirmative action
  01/20/18
I can sort of understand better why you defend media bullshi...
Disgusting Rose Pocket Flask
  01/21/18
Julia has the credited response. Max out the more flexible ...
Boyish Therapy
  01/20/18
Cr. It’s not a complicated concept. If you can only choose o...
mahogany beady-eyed sanctuary affirmative action
  01/20/18
Not always.
rough-skinned address
  01/20/18
Sure it's not complicated if you don't take into account pay...
Disgusting Rose Pocket Flask
  01/21/18
Blah blah blah, non responsive. I’m well aware of how 529s ...
dull racy institution
  01/21/18
Exactly. The whole “oh, gains on $300K, who cares, chump cha...
grizzly apoplectic boistinker temple
  01/21/18
You don’t do the backdoor roth?
rough-skinned address
  01/21/18
I have a Roth 401k that I contribute about 25% of my yearly ...
dull racy institution
  01/21/18
Yea, if you already have a traditional Ira probably doesn’t ...
rough-skinned address
  01/21/18
PERSONAL | FINANCE | EXPERT pack it up boys we're done here...
Avocado exhilarant lodge athletic conference
  01/21/18
180
Alcoholic anal blood rage
  01/20/18
...
Cerebral Marketing Idea
  01/21/18
I put in like $1k a month. Been doing it since our daughter...
costumed unhinged gunner rigor
  01/18/18
$500/mo from me. $5k/yr from my parents. Still might not b...
Flushed coiffed base
  01/18/18
Brother, things are only going to get worse
amethyst glittery circlehead
  01/18/18
this is scary to think about.
bateful opaque milk party of the first part
  01/18/18
Opt out, BROTHER. It's a scam. Let them find a skill they ...
free-loading state gaping
  01/20/18
Seconded.
White Fantasy-prone Range Boltzmann
  01/21/18
Dude your parents are pumping $5k/yr? I mean not a huge dea...
contagious rusted community account
  01/18/18
don't you make like 500k a year or something
hairless regret den
  01/18/18
...
Sable Mad-dog Skullcap
  01/20/18
$1000/month per kid plus a little extra each year. Fucking ...
titillating fuchsia point cumskin
  01/18/18
Ducking retarded. By the time your kids are in college eve...
impertinent vengeful roommate
  01/18/18
1. I’m rich. 2. Appropriate Moniker.
titillating fuchsia point cumskin
  01/18/18
zero
Nofapping mad cow disease library
  01/18/18
I'll start putting in money if the kid is confirmed non-auti...
bonkers digit ratio incel
  01/18/18
Zippola. Won a lottery so my kid gets fully funded 4 years ...
canary rehab people who are hurt
  01/18/18
(Guy who married into African blood)
impertinent vengeful roommate
  01/18/18
Explain?
grizzly apoplectic boistinker temple
  01/21/18
Zero. They can take out loans if they value paying $80,000...
impertinent vengeful roommate
  01/18/18
$1,000/mo. Second kid coming in June. I’m fucked.
soul-stirring wild locus half-breed
  01/18/18
$200/month since birth. Two kids. Will look to up it p...
carnelian lettuce
  01/18/18
0
mildly autistic pistol double fault
  01/18/18
If the kid dies do you get the money back?
appetizing organic girlfriend
  01/18/18
It’s transferable without penalty. And if you want to withdr...
titillating fuchsia point cumskin
  01/18/18
You pay tax on the gains but no penalty
rough-skinned address
  01/20/18
It gets put in the boomer’s social security fund
Razzle-dazzle frum parlour
  01/18/18
"Fuh-rat-ree-side? Hey pops, you're pretty smart, what...
Fragrant Jap
  01/18/18
Merit scholarship or CUNY. Fuck 529s.
Mauve pea-brained field
  01/18/18
lol @ you reproduxing
coral house
  01/18/18
If they get a merit scholarship, you can withdraw that amoun...
rough-skinned address
  01/20/18
You idiots realize when your kids apply to college in 15 yea...
brilliant domesticated box office kitty cat
  01/18/18
Cr also fuck this niggerkike country
deranged sex offender private investor
  01/18/18
lol @ them limiting it to 529s. You arent sufficiently cyni...
titillating fuchsia point cumskin
  01/20/18
...
Nofapping mad cow disease library
  01/20/18
I have a hard time seeing these big colleges moving away fro...
rough-skinned address
  01/20/18
even now it counts as an asset for FAFSA but 401(k), 403(b),...
diverse idea he suggested boiling water
  01/20/18
Good info!
bossy ivory orchestra pit
  01/20/18
Planning for minor emancipation is underrated.
stimulating bronze dog poop
  01/20/18
a) they aren't minors by the time they're in college b) i...
hairless regret den
  01/20/18
And this is why Julia's way, outlined above, is more CR.
Nofapping mad cow disease library
  01/20/18
i agreed with her reasoning for the most part, anyway not s...
vivacious school cafeteria mexican
  01/21/18
Lol at our fraud government
rough-skinned address
  01/20/18
This post is underrated on multiple levels.
mind-boggling theater
  01/20/18
$1,167 per month. No kids. If I don't have kids, it will go ...
bossy ivory orchestra pit
  01/20/18
NIGGER AT TODAY'S PRICES U COULD BE BUYING 1 ETH PER MONTH
soul-stirring wild locus half-breed
  01/20/18
...
deranged sex offender private investor
  01/21/18
The way private schools work is the charge $50,000 tuition, ...
bossy ivory orchestra pit
  01/20/18
What "elite" colleges do you have in mind?
stimulating bronze dog poop
  01/20/18
Carleton, St Olaf, Gustavus, Macalester
bossy ivory orchestra pit
  01/20/18
He asked about elite colleges
amethyst glittery circlehead
  01/20/18
...
azure hell friendly grandma
  01/20/18
...
titillating fuchsia point cumskin
  01/20/18
Explain this; I'd assume the 529 payment needs to be made to...
Crimson wonderful stage
  01/20/18
If your child gets a scholarship for X dollars, the parents ...
bossy ivory orchestra pit
  01/20/18
You still need to pay tax on the gains for that type of with...
rough-skinned address
  01/20/18
tyty.
bossy ivory orchestra pit
  01/20/18
Didn't want to get into 529 v. UGMA, but I 100% went for UGM...
Maize resort potus
  01/20/18
"529 basically worthless at Naval Academy or West Point...
bossy ivory orchestra pit
  01/20/18
oh cool, didn't know that was a new law (well new as in 2003...
Maize resort potus
  01/20/18
New York's 529 is with vanguard
glassy indian lodge
  01/20/18
You forgot the biggest drawback of a UGMA: your kid owns the...
dull racy institution
  03/26/18
10k/year (up to state tax benefit in NY).
Tantric zombie-like gas station windowlicker
  01/20/18
I max it out for 2 kids 2500/month each (60k per year). I k...
floppy honey-headed abode sound barrier
  01/20/18
How old are you that student loans weren't available?
glassy indian lodge
  01/20/18
Fair point - they were probably available. But I didn't wan...
floppy honey-headed abode sound barrier
  01/20/18
Same - NYS tax benefit. I should probably do more honestly.
rough-skinned address
  01/21/18
yes
adulterous garnet immigrant
  04/24/18
lol @ paying for my kid's college....scholarship or trade sc...
Razzle charcoal water buffalo
  01/20/18
As noted above you can withdraw money if your brilliant kid ...
rough-skinned address
  01/21/18
nokidmo here but I put 1000 every year for my nephew and nie...
arousing embarrassed to the bone really tough guy
  01/20/18
I should probably start doing this for my nephew. It’s not h...
titillating fuchsia point cumskin
  01/21/18
That’s very generous
rough-skinned address
  01/21/18
yeah i'd be a horrible dad but am a great uncle; last summer...
arousing embarrassed to the bone really tough guy
  01/21/18
Zero. They can pay for college themselves like I did. Wil...
White Fantasy-prone Range Boltzmann
  01/21/18
Is that true? I was old as shit when I went to law school a...
titillating fuchsia point cumskin
  01/21/18
Yep. I never once had to ask my parents for financial info....
White Fantasy-prone Range Boltzmann
  01/21/18
You shouldn't have needed to provide your parents info if ge...
White Fantasy-prone Range Boltzmann
  01/21/18
100-plus poast thread!
amethyst glittery circlehead
  01/21/18
$1,000/mo. $100/mo in a 529 for niece whose parents can't g...
chocolate fighting site
  03/26/18
Higher education is flame.
Lilac Charismatic Headpube Degenerate
  03/26/18
it is but good luck avoiding it
rough-skinned address
  03/26/18
Guy who never had this poaster - https://goodmenproject....
gold university halford
  03/26/18
...
Smoky Low-t Station Tattoo
  04/24/18
holy shit
carmine garrison
  04/24/18
...
amethyst glittery circlehead
  08/07/18
Lmao at Julia holy shit
Rambunctious Clear Volcanic Crater
  12/15/19


Poast new message in this thread



Reply Favorite

Date: January 18th, 2018 8:53 PM
Author: amethyst glittery circlehead

Inspired by the Utah thread

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35185897)



Reply Favorite

Date: January 18th, 2018 8:55 PM
Author: Multi-colored nursing home alpha

Don't have a kid, but I already put in $100 a month.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35185911)



Reply Favorite

Date: January 18th, 2018 8:56 PM
Author: amethyst glittery circlehead

Wut?

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35185916)



Reply Favorite

Date: January 20th, 2018 1:22 PM
Author: bipolar shrine

Flame. You need a beneficiary SS# to set one up

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197007)



Reply Favorite

Date: January 20th, 2018 3:52 PM
Author: floppy honey-headed abode sound barrier

you can just name yourself and change it to the kid later

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35198014)



Reply Favorite

Date: January 22nd, 2018 7:05 AM
Author: thriller sinister jewess

TCR

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35208107)



Reply Favorite

Date: January 18th, 2018 8:59 PM
Author: free-loading state gaping

FIL is doing that. 150/mo since 3 months old. Assuming, of course, she is even interested in college by then. I have a sense college may not be the be all end all in 15 years.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35185945)



Reply Favorite

Date: January 18th, 2018 9:01 PM
Author: bateful opaque milk party of the first part

i have a eth wallet for each kid and transfer a little bit each month.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35185952)



Reply Favorite

Date: January 18th, 2018 11:36 PM
Author: Boyish Therapy

CR

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35187088)



Reply Favorite

Date: January 18th, 2018 9:04 PM
Author: dull racy institution

Max of $28k/year. Should’ve superfunded it in retrospect. The returns would’ve been ridiculous. He’s only 2 and has over $100k lol.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35185973)



Reply Favorite

Date: January 18th, 2018 9:18 PM
Author: amethyst glittery circlehead

Does CA give you a tax break on 529 deposits?

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186075)



Reply Favorite

Date: January 18th, 2018 10:57 PM
Author: dull racy institution

Nope no tax breaks unfortunately but the expense ratios for the CA plan are pretty rock bottom (even better than vanguard’s).

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186795)



Reply Favorite

Date: January 18th, 2018 9:21 PM
Author: mahogany beady-eyed sanctuary affirmative action

Zero.

Either his dad will pay for college or I’ll contribute out of my general pot of savings once he’s 18 and headed to school. 529 plans aren’t that great of a deal, anyhow.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186090)



Reply Favorite

Date: January 18th, 2018 9:22 PM
Author: amethyst glittery circlehead

bizarre post

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186103)



Reply Favorite

Date: January 18th, 2018 9:24 PM
Author: titillating fuchsia point cumskin

Are you divorced?

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186123)



Reply Favorite

Date: January 18th, 2018 9:27 PM
Author: mahogany beady-eyed sanctuary affirmative action

No

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186136)



Reply Favorite

Date: January 18th, 2018 9:30 PM
Author: bateful opaque milk party of the first part

why not? i don't know that much about 529 plans and am genuinely curious as a kid haver. my understanding is that it's pretax contribution and tax free growth and no tax on distribution provided it's used for qualified educational expenses. Seems like a good deal for anyone planning to go to college.



(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186154)



Reply Favorite

Date: January 18th, 2018 9:31 PM
Author: titillating fuchsia point cumskin

It’s not pretax but is tax free growth, which is pretty great if you can front load it. Some states make it pretax wrt state tax.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186167)



Reply Favorite

Date: January 18th, 2018 9:32 PM
Author: bateful opaque milk party of the first part

ty. if you are putting money away specifically for college seems like a no brainer then, right?

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186174)



Reply Favorite

Date: January 18th, 2018 9:33 PM
Author: titillating fuchsia point cumskin

Pretty much.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186182)



Reply Favorite

Date: January 18th, 2018 9:33 PM
Author: impertinent vengeful roommate

It’s a fucking handout to the scam education complex

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186190)



Reply Favorite

Date: January 21st, 2018 6:06 AM
Author: White Fantasy-prone Range Boltzmann



(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35201601)



Reply Favorite

Date: January 18th, 2018 10:56 PM
Author: dull racy institution

How is avoiding a 15-23.8% cap gains tax “not that great of a deal”?

Don’t understand how somebody who is so financially illiterate writes articles for “finance blogs”

If either you or your husband plans to pay for any part of college (or private school k-12 under new tax plan), it is a no brainer to use a 529 plan.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186777)



Reply Favorite

Date: January 18th, 2018 11:17 PM
Author: balding excitant trailer park scourge upon the earth



(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186986)



Reply Favorite

Date: January 18th, 2018 11:24 PM
Author: bateful opaque milk party of the first part

shots fired

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35187026)



Reply Favorite

Date: January 18th, 2018 11:34 PM
Author: coral house

Rare credited posted from our resident bug litigator

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35187080)



Reply Favorite

Date: January 18th, 2018 11:49 PM
Author: deranged sex offender private investor

OooooooF

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35187155)



Reply Favorite

Date: January 20th, 2018 9:49 AM
Author: free-loading state gaping

TitcOOOF

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35195856)



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Date: January 20th, 2018 8:00 AM
Author: Sable Mad-dog Skullcap

Rawr

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35195531)



Reply Favorite

Date: January 20th, 2018 9:34 AM
Author: mahogany beady-eyed sanctuary affirmative action

First, you are speaking condescendingly, assuming I don’t have a clear rationale or understanding of what I say. Second, I don’t “write for financial blogs”. I am a personal finance expert, and go on the Today Show, ABC News, Bloomberg, get quoted regularly in Forbes, Inc, Entrepreneur, US News & World Report , etc. I also host financial radio and TV shows and will officially be a CFP in two months.

Now, as to your original question, it is you that is being financially illiterate if you don’t understand the alternatives to 529 plans. Their benefits are not utterly unique - in fact, unless you’re a top 1% earner, all of the same benefits can be had from a Roth IRA. If you are a top 1% earner, then fine, a 529 makes sense, but if you over- contribute and end up not needing all of the monies for qualified educational expenses, you’ll need to pay cap gains and income tax on it, anyhow. In your case, it sounds like you’ve over contributed if you already have $100k at age two. The kid will not need millions for his education, most states limit you to about 300k, and you’ll end up paying cap gains and taxes on the excess money, either way. It only makes sense for you to continue contributing if he’ll be attending private K-12 and you use up the money along the way, because compounding over time for college will create the same difficulty. Or, you’d better hope he has a sibling or other family member to whom you can roll-over/ gift the excess funds.

In short, 529 plans are really only of value to top earners who intend on contributing more than the Roth IRA limits per year, and wouldn’t benefit from education-related tax deductions, anyhow. For everyone else, just dip into your Roth for college tuition. If you’re saving enough that you can max out a 401k plus a Roth every year for retirement savings, then you’re likely in the top 1% earner category and would do well with a 529.

This is clearly an over-simplification of a complex topic and their are nuances which would alter my advice, such as minor tax rate implications, deductions, need-based financial aid, quality of 529 plans offered by your state, etc.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35195764)



Reply Favorite

Date: January 20th, 2018 9:36 AM
Author: Razzle-dazzle frum parlour

So you suggest draining a roth ira to fund your kids college? Wow.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35195776)



Reply Favorite

Date: January 20th, 2018 9:43 AM
Author: mahogany beady-eyed sanctuary affirmative action

I’m suggesting there’s not a huge difference between a Roth IRA and a 529 for middle-income earners, and that only people who can afford to contribute to both beyond maxing out a 401k need a 529.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35195816)



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Date: January 20th, 2018 9:53 AM
Author: Razzle-dazzle frum parlour

Okay ill agree that you should first max a 401k, then roth ira, then 529. I would rather tell my kid to get scholarships and go to community college for 2 years rather than drain my retirement (roth) to fund college though.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35195875)



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Date: January 20th, 2018 9:43 AM
Author: Bespoke big brunch

Lol

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35195818)



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Date: January 20th, 2018 9:39 AM
Author: slippery copper mental disorder set

Spics_are_stupid.txt

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35195789)



Reply Favorite

Date: January 20th, 2018 9:47 AM
Author: rough-skinned address

What you are essentially saying is most people can’t save for both retirement and their kids college expenses, so they should cannibalize their retirement savings for college expenses.

The point of the 529 is to incentivize people to tighten their belts and save for both.

These middle class people you are referring to aren’t going to save too much in a 529 - they are much more likely to not save enough and have to take out predatory loans. Even if they did, they can move move the 529 to their grandchildren if they need to. Worst case they pay a penalty but benefit from tax deferral.

The hypothetical middle class family that saves too much, and has no grandchildren reflects a very small sample size.

Oh and Nutellas kids are almost certainly going to spend millions on their education. Most people on here would benefit. So saying “it’s not a great deal” and then clarifying that you only meant poor people isn’t really helpful. My guess is you also make enough where you should be contributing.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35195847)



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Date: January 20th, 2018 10:47 AM
Author: amethyst glittery circlehead

Julia is remarkably dumb, news at eleven

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35196073)



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Date: January 20th, 2018 2:04 PM
Author: mahogany beady-eyed sanctuary affirmative action

Your post is incoherent.

Most people on this site are not top 1% income earners. Almost everyone below that level should be fairly indifferent between a Roth or funding a 529 first. Since most people can’t do both, the better choice is the Roth, since the monies can be used for either purpose. You can not withdraw from a 529 for retirement purposes without penalties.

Most states cap 529s at about $300k. If youre high income and expect to need more than that, you should draw down contributions to your Roth second in order to achieve similar tax benefits.



(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197256)



Reply Favorite

Date: January 20th, 2018 3:08 PM
Author: rough-skinned address

You are accusing me of being incoherent?

You made some claim about how 529s are risky which I was debunking.

Now you say you should fund a roth before a 529. That’s a complicated question. Let’s say we take your example where you don’t have enough to do both. Let’s also say you actually need to use the entire balance to pay for college expenses. You will pay more tax using a Roth IRA to do this if you are withdrawing the amounts before 59 1/2, because you will pay tax on the earnings. For a 529, as long as it’s used for an approved expense, you don’t pay tax on the earnings. In addition, many states offer a deduction for the 529, which you don’t get if you use the roth as your college savings account.

Also, someone might want to contribute to a traditional IRA and get the tax deduction. That would prevent them from using a Roth, and a traditional Ira is not a good college savings account. So for those people, it might make sense to do a 529 as well.

That doesn’t mean you should always pick one over the other, but to say the benefits aren’t that great is silly, especially if you are talking about “middle income Earners” where every dollar matters.

Also you seem to be assuming that people on here aren’t in 1% so they can’t afford to fund both. That’s a bunch of bullshit. A lot of people (especially on here) can afford to fund a Roth IRA and put some amount ($50? $1000?) into a 529. That’s what the person who started this thread was asking.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197678)



Reply Favorite

Date: January 21st, 2018 6:09 AM
Author: White Fantasy-prone Range Boltzmann

You should get a tit job and become a "personal finance expert".

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35201605)



Reply Favorite

Date: January 21st, 2018 4:35 PM
Author: Avocado exhilarant lodge athletic conference



(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35204008)



Reply Favorite

Date: January 21st, 2018 4:41 PM
Author: grizzly apoplectic boistinker temple



(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35204048)



Reply Favorite

Date: January 21st, 2018 4:42 PM
Author: grizzly apoplectic boistinker temple

You do understand that the limit you keep referring to is a ****CONTRIBUTION**** limit? There’s no penalty if the growth exceeds it. Pass it on to the grandkids if there’s excess!

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35204051)



Reply Favorite

Date: March 26th, 2018 11:18 AM
Author: gold university halford



(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35690877)



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Date: January 20th, 2018 11:34 AM
Author: Autistic Center

It's pretty sad that it took Julia 2 days to come up with a response and this is the best she could muster.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35196332)



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Date: January 20th, 2018 11:38 AM
Author: stimulating bronze dog poop

"Just fund your retirement and college from the same $5,500 yearly contribution!" said the personal finance expert.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35196348)



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Date: January 20th, 2018 1:52 PM
Author: mahogany beady-eyed sanctuary affirmative action

You’re completely missing the point. If you’re middle income, you likely can’t afford both. In such a case, might as well fund a Roth first. It is more flexible and won’t screw you as badly if you need the money for any number of other purposes. Plus, you get many of the same tax benefits

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197190)



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Date: January 20th, 2018 2:03 PM
Author: Alcoholic anal blood rage

Everyone here is $400k in-house

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197248)



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Date: January 20th, 2018 2:05 PM
Author: mahogany beady-eyed sanctuary affirmative action

We should take a poll of how many people earn in excess of the Roth single earner phase -out. I bet you most do not.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197263)



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Date: March 26th, 2018 11:19 AM
Author: gold university halford

So are you middle income? I though this whole thread was premised on the fact that you weren't contributing because it wasn't that great of a deal? however, the only examples you give of it not being a great deal are for people who can't afford to do it.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35690884)



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Date: January 20th, 2018 12:01 PM
Author: Crimson wonderful stage

You're tossing a credential that every sales'y "financial planner" has as some sort of indication that you know anything about finances? Maybe if you were a CFA, like folks that actually think up the portfolio composition that CFP hucksters push out to their clients then you'd have a bit more standing.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35196465)



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Date: January 20th, 2018 1:50 PM
Author: mahogany beady-eyed sanctuary affirmative action

Uhh, CFPs absolutely recommend portfolio compositions.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197181)



Reply Favorite

Date: January 21st, 2018 6:01 AM
Author: Crimson wonderful stage

CFA = designs the composition of risk-based portfolios

CFP + takes ~20 or so portfolios designed by CFAs and sells them as "financial advisory". CFP = sales person.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35201597)



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Date: January 20th, 2018 12:05 PM
Author: soul-stirring wild locus half-breed

pretty good example of 99% of financial planners being flame

i'd note that julia's own reasoning doesn't support her own decision not to contribute to a 529 - from what i understand she and her husband are high earners. the diatribe she posted defending her claim that 529s aren't a good deal is premised on someone being a relatively low earner who can't contribute to both a roth and 529 (which she and her husband certainly can).

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35196476)



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Date: January 20th, 2018 12:22 PM
Author: amethyst glittery circlehead

She’s an unadulterated retard.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35196560)



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Date: January 20th, 2018 1:50 PM
Author: mahogany beady-eyed sanctuary affirmative action

My reasoning to not contribute to an IRA is unrelated to the sample situation posted above. Also, I’m not a top 1% earner, so the Roth would still be a fair alternative:/choice in my situation, except that Pennsylvania has some of the most favorable 529 structures in the country. My reasoning to not contribute is:

1) My husband has tons of money saved. By the time my kid is college-aged, we will have easy access to as much as he’ll need. Sure, putting some in a 529 will shield it from cap gains, but again, it won’t make a difference to us in 16 years. Cap gains on a 300k account will be chump change. Now, buying educational credits might be a better deal for us. But again, we can do that at anytime, and anyhow, we are not price sensitive.

2) I do not earn enough to contribute to a 529 meaningfully.



(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197177)



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Date: January 20th, 2018 1:56 PM
Author: federal silver tanning salon feces

By the time your kid is college-age, your husband will be in a nursing home, which ain’t cheap. Your little autist is fucked.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197210)



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Date: January 20th, 2018 1:58 PM
Author: mahogany beady-eyed sanctuary affirmative action

You guys think he’s much older than he is. He’s only about a decade older than me, but is fair-skinned.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197222)



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Date: January 20th, 2018 3:31 PM
Author: federal silver tanning salon feces

So he’ll be what? 70 or so when your kid starts college?

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197867)



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Date: January 20th, 2018 3:54 PM
Author: mahogany beady-eyed sanctuary affirmative action

65. I'll be 54.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35198032)



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Date: January 20th, 2018 4:00 PM
Author: federal silver tanning salon feces

lol, jfc

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35198074)



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Date: January 20th, 2018 2:02 PM
Author: soul-stirring wild locus half-breed

Why should someone who can afford to save in both a Roth and a 529 (by no means do you need to be a 1%er to do this) forgo a 529 and use a Roth to save for college instead of as a retirement vehicle?

Why would you not fund both?

Even in your rich husband’s situation, you’re going to forgo a vehicle that shields some of the tax liability. How is that better than just funding a 529?

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197241)



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Date: January 20th, 2018 2:15 PM
Author: mahogany beady-eyed sanctuary affirmative action

If you can save in both, you absolutely should. If you can’t, then it becomes a highly personal calculation which to save in first. My argument is that you should max Roth first, then anything leftover should go to a 529. You can use a Roth for either college or retirement without penalty; a 529 can only be used for the former.

A 529 is limited to about 300k. Cap gains on the contributions might be $20-30k at most. You’ll pay that much in penalties and taxes if it goes unused for any reason. If you have a high net worth, there’s not a huge benefit there.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197326)



Reply Favorite

Date: January 21st, 2018 4:47 PM
Author: grizzly apoplectic boistinker temple

You do understand that the limit you keep referring to is a ****CONTRIBUTION**** limit? There’s no penalty if the growth exceeds it. Pass it on to the grandkids if there’s excess!

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35204089)



Reply Favorite

Date: January 21st, 2018 4:52 PM
Author: rough-skinned address

If you have a high net worth there is a huge benefit to a 529. You can use it for kids and grand kids and great grandkids. All the growth over decades is tax free.

There is a reason why obama wanted to gut the 529 program to prevent rich people from using it (after he and his wife had already prefunded the 529s for their daughters). And there is a reason why there was tremendous pushback that prevented him from doing so.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35204130)



Reply Favorite

Date: January 21st, 2018 6:19 PM
Author: dull racy institution

You’re totally out of your element here. 529s don’t benefit the middle class who can’t save for both retirement and college but the rich benefit BIGLY from the tax free growth.

There is no limit to the growth in 529 plans. There is only a limit on contributions. So this $300k “limit” you keep talking about doesn’t factor in market appreciation. In CA the limit is $475k in contributions but the growth can be millions of dollars if you keep letting it appreciate. And that $475k is per beneficiary, so you can start as many as you like and get millions in tax free growth. It’s cap gains on millions of dollars not $300k. High net worth people don’t just use it as a vehicle for tax free growth for their children’s expenses but grandchildren and nieces and nephews etc. you can also keep changing beneficiaries until you use it up.

I also don’t know where you’re estimating cap gains on $300k as only $20-$30k. The top rate is 23.8%. But you know, even if it’s “only” $20-30k, LOL at a “personal finance expert” writing off such cap gains taxes as a drop in the bucket.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35204741)



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Date: January 21st, 2018 7:13 PM
Author: mahogany beady-eyed sanctuary affirmative action

Wrong, wrong, wrong. There are limits on contributions based on total account value - usually thresholds at which you can no longer contribute - usually about $400-450k in most states. So, even if you don’t max out contributions, once that plan has a value of $400k+ ( varies by state), the plan will no longer accept contributions. But this is common knowledge, and any idiot ( including those like me) knows this.

I won’t even get to the rest of your post, because it appears you don’t even understand the basic rules of 529 plans, so it’s not worth debating an uninformed person.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35205148)



Reply Favorite

Date: January 21st, 2018 11:13 PM
Author: grizzly apoplectic boistinker temple

...but you can just start another plan.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35207048)



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Date: January 20th, 2018 1:17 PM
Author: bateful opaque milk party of the first part

Except that for a Roth IRA you have to wait until you are 59.5 to withdraw without penalties.

Of course your husband is already past that age and you will be by the time your kid goes to college so i see how your rationale works for you though i don't think it applies to most people.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35196975)



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Date: January 20th, 2018 1:46 PM
Author: mahogany beady-eyed sanctuary affirmative action

No, you can withdraw for qualified educational expenses from any IRA which you’ve held for 5 years or longer at any age without penalty. If you have a Roth IRA today that you’ve had for at least five years, you’re set to do this.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197156)



Reply Favorite

Date: January 20th, 2018 3:11 PM
Author: rough-skinned address

You don’t have to pay the penalty but you do have to pay income tax. For the roth they would be on any gains. You can withdraw the contributions tax free first

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197700)



Reply Favorite

Date: January 20th, 2018 3:53 PM
Author: bateful opaque milk party of the first part

wait so if you withdraw early but use for qualified educational expenses you are penalized by having to pay tax on the gains?

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35198025)



Reply Favorite

Date: January 20th, 2018 3:54 PM
Author: mahogany beady-eyed sanctuary affirmative action

That is exactly what I said.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35198028)



Reply Favorite

Date: January 20th, 2018 3:55 PM
Author: bateful opaque milk party of the first part

do you have to pay tax on the gains when you withdraw from a 529?

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35198034)



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Date: January 21st, 2018 4:43 PM
Author: rough-skinned address

Not if you use it for a qualifying expense

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35204059)



Reply Favorite

Date: January 21st, 2018 4:54 PM
Author: rough-skinned address

Yes, and you left out the key difference for why someone would use a 529 instead of a Roth IRA

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35204138)



Reply Favorite

Date: January 21st, 2018 11:45 PM
Author: Disgusting Rose Pocket Flask

Seriously. I'd be fucking pissed if I paid an "advisor" to advise me in that manner.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35207177)



Reply Favorite

Date: January 21st, 2018 11:50 PM
Author: bateful opaque milk party of the first part

but julia isnt a financial advisor. she's a self proclaimed expert, attractive and a very good self-promoter. Even the place she works is financial advice for poors. And despite bragging about other networks seeking her expertise, the only thing i could find was her being interviewed about how to conduct a yard sale.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35207193)



Reply Favorite

Date: January 21st, 2018 11:45 PM
Author: bateful opaque milk party of the first part

yeah this is a pretty significant advantage of 529 plans. the whole goal of a roth ira is having tax exempt gains. whats the point of using it as a college savings vehicle if you have to pay tax on the withdrawals likely right in your prime earning years?

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35207178)



Reply Favorite

Date: January 21st, 2018 6:36 PM
Author: dull racy institution

You can only withdraw the CONTRIBUTIONS from a Roth tax free without penalty (since it’s already been taxed) for education expenses, so the $5500/year. 529 allows you to withdraw the growth tax free which is

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35204839)



Reply Favorite

Date: January 20th, 2018 2:03 PM
Author: Nofapping mad cow disease library

not true

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197249)



Reply Favorite

Date: January 20th, 2018 3:06 PM
Author: bateful opaque milk party of the first part

looks like i self pwned on this.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197662)



Reply Favorite

Date: January 20th, 2018 1:18 PM
Author: Frozen Geriatric Queen Of The Night Office

is this flame? I really can't tell

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35196983)



Reply Favorite

Date: January 20th, 2018 1:20 PM
Author: bateful opaque milk party of the first part

also lol @ using "personal finance expert" as of that is an actual credential and not something you decided to label yourself.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35196993)



Reply Favorite

Date: January 20th, 2018 1:45 PM
Author: mahogany beady-eyed sanctuary affirmative action

That’s what all the publications that quote me for financial advice call me.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197146)



Reply Favorite

Date: January 21st, 2018 11:46 PM
Author: Disgusting Rose Pocket Flask

I can sort of understand better why you defend media bullshit now.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35207184)



Reply Favorite

Date: January 20th, 2018 2:14 PM
Author: Boyish Therapy

Julia has the credited response. Max out the more flexible Roth before dipping into the less flexible savings vehicle.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197318)



Reply Favorite

Date: January 20th, 2018 2:16 PM
Author: mahogany beady-eyed sanctuary affirmative action

Cr. It’s not a complicated concept. If you can only choose one, the Roth is better.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197333)



Reply Favorite

Date: January 20th, 2018 3:27 PM
Author: rough-skinned address

Not always.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197827)



Reply Favorite

Date: January 21st, 2018 11:48 PM
Author: Disgusting Rose Pocket Flask

Sure it's not complicated if you don't take into account paying income tax on the money you take out of it for educational expenses (which you won't have to do for a 529). But if you do, it's more complicated.



(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35207188)



Reply Favorite

Date: January 21st, 2018 11:31 AM
Author: dull racy institution

Blah blah blah, non responsive. I’m well aware of how 529s work. My post had nothing to do with ordinary Americans raiding their measly Roth IRAs for educational expenses. I haven’t had the option to fund a Roth in over a decade anyway.

My point was and still is the idiocy of your husband who has the money to contribute using non-529 money for college because the cap gains paid would be “chump change.”I know many people far wealthier than your husband and none of them would ever say saving 23.8% on $300k is “not that good of a deal.” Because if there’s one thing the rich cares about, it’s tax avoidance.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35202400)



Reply Favorite

Date: January 21st, 2018 4:53 PM
Author: grizzly apoplectic boistinker temple

Exactly. The whole “oh, gains on $300K, who cares, chump change” thing is nuts. A “personal finance expert”?!

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35204133)



Reply Favorite

Date: January 21st, 2018 4:55 PM
Author: rough-skinned address

You don’t do the backdoor roth?

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35204155)



Reply Favorite

Date: January 21st, 2018 6:27 PM
Author: dull racy institution

I have a Roth 401k that I contribute about 25% of my yearly 401k max for tax diversification purposes that I will rollover into my existing Roth IRA in the future. given current tax brackets it doesn’t make financial sense for me to do too much Roth or convert my traditional ira assets into a Roth. but I do some Roth since I will likely gift that to my children and never touch that money.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35204785)



Reply Favorite

Date: January 21st, 2018 6:34 PM
Author: rough-skinned address

Yea, if you already have a traditional Ira probably doesn’t make sense to convert at this point

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35204820)



Reply Favorite

Date: January 21st, 2018 4:33 PM
Author: Avocado exhilarant lodge athletic conference

PERSONAL | FINANCE | EXPERT

pack it up boys we're done here!

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35204002)



Reply Favorite

Date: January 20th, 2018 1:59 PM
Author: Alcoholic anal blood rage

180

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197226)



Reply Favorite

Date: January 21st, 2018 11:55 PM
Author: Cerebral Marketing Idea



(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35207214)



Reply Favorite

Date: January 18th, 2018 9:21 PM
Author: costumed unhinged gunner rigor

I put in like $1k a month. Been doing it since our daughter was born. Should have like $300k+ by the time she is ready for college....should be enough for at least the first year.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186093)



Reply Favorite

Date: January 18th, 2018 9:22 PM
Author: Flushed coiffed base

$500/mo from me. $5k/yr from my parents. Still might not be enough per the calculators, which is ljl. Really hoping things get straightened out by then.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186108)



Reply Favorite

Date: January 18th, 2018 9:23 PM
Author: amethyst glittery circlehead

Brother, things are only going to get worse

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186114)



Reply Favorite

Date: January 18th, 2018 9:31 PM
Author: bateful opaque milk party of the first part

this is scary to think about.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186162)



Reply Favorite

Date: January 20th, 2018 9:53 AM
Author: free-loading state gaping

Opt out, BROTHER. It's a scam. Let them find a skill they like and train them for that.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35195874)



Reply Favorite

Date: January 21st, 2018 6:12 AM
Author: White Fantasy-prone Range Boltzmann

Seconded.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35201610)



Reply Favorite

Date: January 18th, 2018 11:32 PM
Author: contagious rusted community account

Dude your parents are pumping $5k/yr? I mean not a huge deal, but nice of them. My parents are SPS BOOMERS.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35187069)



Reply Favorite

Date: January 18th, 2018 11:56 PM
Author: hairless regret den

don't you make like 500k a year or something

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35187201)



Reply Favorite

Date: January 20th, 2018 8:01 AM
Author: Sable Mad-dog Skullcap



(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35195532)



Reply Favorite

Date: January 18th, 2018 9:24 PM
Author: titillating fuchsia point cumskin

$1000/month per kid plus a little extra each year. Fucking college.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186119)



Reply Favorite

Date: January 18th, 2018 9:34 PM
Author: impertinent vengeful roommate

Ducking retarded. By the time your kids are in college everyone will recognize it as a joke

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186203)



Reply Favorite

Date: January 18th, 2018 9:35 PM
Author: titillating fuchsia point cumskin

1. I’m rich.

2. Appropriate Moniker.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186212)



Reply Favorite

Date: January 18th, 2018 9:27 PM
Author: Nofapping mad cow disease library

zero

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186142)



Reply Favorite

Date: January 18th, 2018 9:29 PM
Author: bonkers digit ratio incel

I'll start putting in money if the kid is confirmed non-autist.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186148)



Reply Favorite

Date: January 18th, 2018 9:30 PM
Author: canary rehab people who are hurt

Zippola. Won a lottery so my kid gets fully funded 4 years of instate tuition.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186156)



Reply Favorite

Date: January 18th, 2018 9:35 PM
Author: impertinent vengeful roommate

(Guy who married into African blood)

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186209)



Reply Favorite

Date: January 21st, 2018 4:54 PM
Author: grizzly apoplectic boistinker temple

Explain?

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35204152)



Reply Favorite

Date: January 18th, 2018 9:31 PM
Author: impertinent vengeful roommate

Zero. They can take out loans if they value paying $80,000 a year to go to Vassar. Anything I would contribute would reduce their inheritance so it is a wash anyway.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186169)



Reply Favorite

Date: January 18th, 2018 9:37 PM
Author: soul-stirring wild locus half-breed

$1,000/mo. Second kid coming in June. I’m fucked.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186231)



Reply Favorite

Date: January 18th, 2018 10:02 PM
Author: carnelian lettuce

$200/month since birth. Two kids.

Will look to up it probably when they start 1st grade and then high school, something like that

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186392)



Reply Favorite

Date: January 18th, 2018 10:50 PM
Author: mildly autistic pistol double fault

0

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186742)



Reply Favorite

Date: January 18th, 2018 11:06 PM
Author: appetizing organic girlfriend

If the kid dies do you get the money back?

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186867)



Reply Favorite

Date: January 18th, 2018 11:11 PM
Author: titillating fuchsia point cumskin

It’s transferable without penalty. And if you want to withdraw it’s like a 401k (ie doable but with a penalty)

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186913)



Reply Favorite

Date: January 20th, 2018 3:32 PM
Author: rough-skinned address

You pay tax on the gains but no penalty

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197879)



Reply Favorite

Date: January 18th, 2018 11:12 PM
Author: Razzle-dazzle frum parlour

It gets put in the boomer’s social security fund

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186920)



Reply Favorite

Date: January 18th, 2018 11:06 PM
Author: Fragrant Jap

"Fuh-rat-ree-side? Hey pops, you're pretty smart, what's this word mean?"

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35186870)



Reply Favorite

Date: January 18th, 2018 11:33 PM
Author: Mauve pea-brained field

Merit scholarship or CUNY. Fuck 529s.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35187073)



Reply Favorite

Date: January 18th, 2018 11:41 PM
Author: coral house

lol @ you reproduxing

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35187110)



Reply Favorite

Date: January 20th, 2018 9:56 AM
Author: rough-skinned address

If they get a merit scholarship, you can withdraw that amount from a 529 without the penalty. So, you’d at least benefit from the tax deferral and state tax deduction if your state offers one.

https://www.google.com/amp/amp.kiplinger.com/article/college/T002-C001-S001-the-529-plan-scholarship-exception.html

Note I haven’t researched the state deduction recapture rules around using a non qualified withdrawal for a scholarship.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35195891)



Reply Favorite

Date: January 18th, 2018 11:42 PM
Author: brilliant domesticated box office kitty cat

You idiots realize when your kids apply to college in 15 years the admins are just going to look at your 529 assets and charge you that for your first years tuition, right?

You will almost surely be penalized somehow for having that money. Probably half of it will be confiscated to fund diversity coordinators.



(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35187120)



Reply Favorite

Date: January 18th, 2018 11:50 PM
Author: deranged sex offender private investor

Cr also fuck this niggerkike country

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35187164)



Reply Favorite

Date: January 20th, 2018 9:44 AM
Author: titillating fuchsia point cumskin

lol @ them limiting it to 529s. You arent sufficiently cynical.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35195828)



Reply Favorite

Date: January 20th, 2018 2:02 PM
Author: Nofapping mad cow disease library



(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197243)



Reply Favorite

Date: January 20th, 2018 9:52 AM
Author: rough-skinned address

I have a hard time seeing these big colleges moving away from a base fixed fee model. I am going to be at the top tier rate regardless, so might as well benefit from the tax deferral and NYS tax deduction.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35195870)



Reply Favorite

Date: January 20th, 2018 11:37 AM
Author: diverse idea he suggested boiling water

even now it counts as an asset for FAFSA but 401(k), 403(b), IRA, pension, SEP, SIMPLE, Keogh and certain annuities don't so it does negatively affect aid if you may otherwise qualify for some when your kid is college age.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35196343)



Reply Favorite

Date: January 20th, 2018 11:39 AM
Author: bossy ivory orchestra pit

Good info!

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35196350)



Reply Favorite

Date: January 20th, 2018 11:44 AM
Author: stimulating bronze dog poop

Planning for minor emancipation is underrated.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35196389)



Reply Favorite

Date: January 20th, 2018 3:42 PM
Author: hairless regret den

a) they aren't minors by the time they're in college

b) it is EXTREMELY hard to get approved for independent status for financial aid. they will see through some UMC scam bullshit in a heartbeat

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197945)



Reply Favorite

Date: January 20th, 2018 2:03 PM
Author: Nofapping mad cow disease library

And this is why Julia's way, outlined above, is more CR.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197246)



Reply Favorite

Date: January 21st, 2018 5:05 PM
Author: vivacious school cafeteria mexican

i agreed with her reasoning for the most part, anyway

not sure if she even knew this aspect against 529

but, considering this, it bolsters her argument significantly, particularly for the non rich

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35204216)



Reply Favorite

Date: January 20th, 2018 3:44 PM
Author: rough-skinned address

Lol at our fraud government

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197950)



Reply Favorite

Date: January 20th, 2018 8:38 PM
Author: mind-boggling theater

This post is underrated on multiple levels.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35199569)



Reply Favorite

Date: January 20th, 2018 11:25 AM
Author: bossy ivory orchestra pit

$1,167 per month. No kids. If I don't have kids, it will go to my nieces and nephews. I get a $500 credit on my state taxes.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35196274)



Reply Favorite

Date: January 20th, 2018 12:06 PM
Author: soul-stirring wild locus half-breed

NIGGER AT TODAY'S PRICES U COULD BE BUYING 1 ETH PER MONTH

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35196481)



Reply Favorite

Date: January 21st, 2018 6:08 AM
Author: deranged sex offender private investor



(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35201602)



Reply Favorite

Date: January 20th, 2018 11:36 AM
Author: bossy ivory orchestra pit

The way private schools work is the charge $50,000 tuition, but everyone gets a scholarship for like $30,000. So the parents can withdraw $30,000/yr and spend it on whatever they want. It's a great $cam used by elites who attend elite private colleges.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35196339)



Reply Favorite

Date: January 20th, 2018 11:46 AM
Author: stimulating bronze dog poop

What "elite" colleges do you have in mind?

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35196393)



Reply Favorite

Date: January 20th, 2018 12:06 PM
Author: bossy ivory orchestra pit

Carleton, St Olaf, Gustavus, Macalester

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35196480)



Reply Favorite

Date: January 20th, 2018 12:23 PM
Author: amethyst glittery circlehead

He asked about elite colleges

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35196572)



Reply Favorite

Date: January 20th, 2018 1:27 PM
Author: azure hell friendly grandma



(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197040)



Reply Favorite

Date: January 20th, 2018 1:53 PM
Author: titillating fuchsia point cumskin



(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197199)



Reply Favorite

Date: January 20th, 2018 11:58 AM
Author: Crimson wonderful stage

Explain this; I'd assume the 529 payment needs to be made to the school (correct me if wrong). If that's the case, are you saying they take the full tuition payment then on the back end issue a refund check for the $30k of scholarship and grant money? Even if that's the case, you'd have to declare that to the IRS. Not seeing how this scam works but would be interested to learn.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35196454)



Reply Favorite

Date: January 20th, 2018 12:16 PM
Author: bossy ivory orchestra pit

If your child gets a scholarship for X dollars, the parents can withdraw X dollars from the 529 tax-free and spend the X dollars on whatever they want (they don't need to spend it on college).

The private schools set high tuition rate and scholarships so the parents can do this.

If you treat the 529 like this, the tax treatment ends up being the same as a Traditional IRA, but you can put away $14,000/yr/child, and you can collect any state tax credits ($500/yr in my state).

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35196533)



Reply Favorite

Date: January 20th, 2018 3:41 PM
Author: rough-skinned address

You still need to pay tax on the gains for that type of withdrawal, but the 10% penalty is waived

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197940)



Reply Favorite

Date: January 20th, 2018 4:09 PM
Author: bossy ivory orchestra pit

tyty.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35198143)



Reply Favorite

Date: January 20th, 2018 12:04 PM
Author: Maize resort potus

Didn't want to get into 529 v. UGMA, but I 100% went for UGMA.

-529 can't be used at CONSERVAHERO schools like Hillsdale, Grove City, Patrick Henry

-529 basically worthless at Naval Academy or West Point

-529 assumes your kid is paying sticker rather than getting significant scholarship/AP credits/community college credits coming in.

-529 limited investment opportunities and higher fees, UGMA I cop dat Vanguard tip.

Yes I also know, maybe you want to pay sticker at your NESCAC like the fucking striver prole you are. But I much prefer the flexibility of the UGMA with the tradeoff of the potentially higher tax liability.

Hate away, XO. :)

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35196474)



Reply Favorite

Date: January 20th, 2018 12:20 PM
Author: bossy ivory orchestra pit

"529 basically worthless at Naval Academy or West Point"

If your kid gets a full ride at a service academy (I think all students do) I think you can withdraw their sticker tuition price tax free and spend it on whatever you want.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35196549)



Reply Favorite

Date: January 20th, 2018 12:22 PM
Author: Maize resort potus

oh cool, didn't know that was a new law (well new as in 2003 lol) ty

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35196563)



Reply Favorite

Date: January 20th, 2018 4:01 PM
Author: glassy indian lodge

New York's 529 is with vanguard

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35198081)



Reply Favorite

Date: March 26th, 2018 11:52 AM
Author: dull racy institution

You forgot the biggest drawback of a UGMA: your kid owns the money at 18 and has no obligation to spend it on educational expenses.

529 is still your money.

I have a UGMA/UTMA but only to get the $2200/year of 0% taxes on dividends.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35691057)



Reply Favorite

Date: January 20th, 2018 1:23 PM
Author: Tantric zombie-like gas station windowlicker

10k/year (up to state tax benefit in NY).



(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197008)



Reply Favorite

Date: January 20th, 2018 3:31 PM
Author: floppy honey-headed abode sound barrier

I max it out for 2 kids 2500/month each (60k per year). I know it's a lot but I'll be done when they're 10 years old. They can use it for grad school or pass it down to their kid(s). My 2 year old has over 100k already due to good returns in the last 2 years so maybe I'll be done even quicker. I didn't have the money to go to any school I got into when I was younger so I'd like them to have the choice.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35197863)



Reply Favorite

Date: January 20th, 2018 4:02 PM
Author: glassy indian lodge

How old are you that student loans weren't available?

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35198086)



Reply Favorite

Date: January 20th, 2018 4:07 PM
Author: floppy honey-headed abode sound barrier

Fair point - they were probably available. But I didn't want to go into significant debt for undergrad when I knew I also wanted to continue to grad school.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35198121)



Reply Favorite

Date: January 21st, 2018 4:55 PM
Author: rough-skinned address

Same - NYS tax benefit. I should probably do more honestly.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35204159)



Reply Favorite

Date: April 24th, 2018 1:49 PM
Author: adulterous garnet immigrant

yes

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35909421)



Reply Favorite

Date: January 20th, 2018 3:53 PM
Author: Razzle charcoal water buffalo

lol @ paying for my kid's college....scholarship or trade school for cheap or learning coding solo is onyl CR answer

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35198023)



Reply Favorite

Date: January 21st, 2018 4:58 PM
Author: rough-skinned address

As noted above you can withdraw money if your brilliant kid gets a scholarship.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35204174)



Reply Favorite

Date: January 20th, 2018 8:41 PM
Author: arousing embarrassed to the bone really tough guy

nokidmo here but I put 1000 every year for my nephew and niece cause their parents are fuck ups

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35199594)



Reply Favorite

Date: January 21st, 2018 11:33 AM
Author: titillating fuchsia point cumskin

I should probably start doing this for my nephew. It’s not his fault is Dad is a fuck up.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35202404)



Reply Favorite

Date: January 21st, 2018 4:59 PM
Author: rough-skinned address

That’s very generous

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35204180)



Reply Favorite

Date: January 21st, 2018 7:52 PM
Author: arousing embarrassed to the bone really tough guy

yeah i'd be a horrible dad but am a great uncle; last summer my brother and his wife went on vacation and i watched them, I loaded them up with sugar and violent tv and photographed them with trump hats and taught them how to play paintball; shitlib brother was pissed but his wife thought it was 180

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35205581)



Reply Favorite

Date: January 21st, 2018 6:15 AM
Author: White Fantasy-prone Range Boltzmann

Zero. They can pay for college themselves like I did.

Will strongly encourage military + GI Bill. Once they've been in the military, they will be independent students and not need my financial info for FAFSA.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35201613)



Reply Favorite

Date: January 21st, 2018 11:35 AM
Author: titillating fuchsia point cumskin

Is that true? I was old as shit when I went to law school and they asked for my parents income/tax info.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35202415)



Reply Favorite

Date: January 21st, 2018 6:58 PM
Author: White Fantasy-prone Range Boltzmann

Yep. I never once had to ask my parents for financial info. I even got Pell grants.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35205004)



Reply Favorite

Date: January 21st, 2018 11:53 PM
Author: White Fantasy-prone Range Boltzmann

You shouldn't have needed to provide your parents info if getting a JD.

Here's my citation:

https://studentaid.ed.gov/sa/sites/default/files/fafsa-dependency.pdf

This may be a 180 lifehack

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35207210)



Reply Favorite

Date: January 21st, 2018 4:31 PM
Author: amethyst glittery circlehead

100-plus poast thread!

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35203990)



Reply Favorite

Date: March 26th, 2018 11:21 AM
Author: chocolate fighting site

$1,000/mo. $100/mo in a 529 for niece whose parents can't get their shit together. Second kid of my own coming soon

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35690890)



Reply Favorite

Date: March 26th, 2018 11:25 AM
Author: Lilac Charismatic Headpube Degenerate

Higher education is flame.

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35690920)



Reply Favorite

Date: March 26th, 2018 11:41 AM
Author: rough-skinned address

it is but good luck avoiding it

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35690995)



Reply Favorite

Date: March 26th, 2018 2:08 PM
Author: gold university halford

Guy who never had this poaster -

https://goodmenproject.com/wp-content/uploads/2015/08/13397_10152909315407683_3397520932863375677_n-001.jpg

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35692339)



Reply Favorite

Date: April 24th, 2018 1:13 PM
Author: Smoky Low-t Station Tattoo



(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35909125)



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Date: April 24th, 2018 1:15 PM
Author: carmine garrison

holy shit

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#35909137)



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Date: August 7th, 2018 9:15 PM
Author: amethyst glittery circlehead



(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#36573530)



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Date: December 15th, 2019 4:59 PM
Author: Rambunctious Clear Volcanic Crater

Lmao at Julia holy shit

(http://www.autoadmit.com/thread.php?thread_id=3864057&forum_id=2#39269412)