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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
Unholy hall boiling water
  01/18/18
Don't have a kid, but I already put in $100 a month.
charismatic brindle friendly grandma
  01/18/18
Wut?
Unholy hall boiling water
  01/18/18
Flame. You need a beneficiary SS# to set one up
talented cyan orchestra pit
  01/20/18
you can just name yourself and change it to the kid later
seedy den death wish
  01/20/18
TCR
Crystalline location son of senegal
  01/22/18
FIL is doing that. 150/mo since 3 months old. Assuming, of...
Racy swollen corn cake station
  01/18/18
i have a eth wallet for each kid and transfer a little bit e...
offensive aqua antidepressant drug
  01/18/18
CR
Shimmering police squad
  01/18/18
Max of $28k/year. Should’ve superfunded it in retrospect. ...
Filthy range ceo
  01/18/18
Does CA give you a tax break on 529 deposits?
Unholy hall boiling water
  01/18/18
Nope no tax breaks unfortunately but the expense ratios for ...
Filthy range ceo
  01/18/18
Zero. Either his dad will pay for college or I’ll contribut...
violent private investor nursing home
  01/18/18
bizarre post
Unholy hall boiling water
  01/18/18
Are you divorced?
Ocher Psychic Turdskin
  01/18/18
No
violent private investor nursing home
  01/18/18
why not? i don't know that much about 529 plans and am genui...
offensive aqua antidepressant drug
  01/18/18
It’s not pretax but is tax free growth, which is pretty grea...
Ocher Psychic Turdskin
  01/18/18
ty. if you are putting money away specifically for college s...
offensive aqua antidepressant drug
  01/18/18
Pretty much.
Ocher Psychic Turdskin
  01/18/18
It’s a fucking handout to the scam education complex
provocative property
  01/18/18
...
Aromatic state genital piercing
  01/21/18
How is avoiding a 15-23.8% cap gains tax “not that great of ...
Filthy range ceo
  01/18/18
...
Bearded sick personal credit line stage
  01/18/18
shots fired
offensive aqua antidepressant drug
  01/18/18
Rare credited posted from our resident bug litigator
Self-absorbed base
  01/18/18
OooooooF
Grizzly Native Clown
  01/18/18
TitcOOOF
Racy swollen corn cake station
  01/20/18
Rawr
hyperventilating magenta trump supporter church
  01/20/18
First, you are speaking condescendingly, assuming I don’t ha...
violent private investor nursing home
  01/20/18
So you suggest draining a roth ira to fund your kids college...
excitant forum fanboi
  01/20/18
I’m suggesting there’s not a huge difference between a Roth ...
violent private investor nursing home
  01/20/18
Okay ill agree that you should first max a 401k, then roth i...
excitant forum fanboi
  01/20/18
Lol
plum soul-stirring hominid
  01/20/18
Spics_are_stupid.txt
Razzle bossy abode
  01/20/18
What you are essentially saying is most people can’t save fo...
Thriller fluffy chapel
  01/20/18
Julia is remarkably dumb, news at eleven
Unholy hall boiling water
  01/20/18
Your post is incoherent. Most people on this site are not t...
violent private investor nursing home
  01/20/18
You are accusing me of being incoherent? You made some cl...
Thriller fluffy chapel
  01/20/18
You should get a tit job and become a "personal finance...
Aromatic state genital piercing
  01/21/18
...
disrespectful well-lubricated double fault
  01/21/18
...
Histrionic Laser Beams
  01/21/18
You do understand that the limit you keep referring to is a ...
Histrionic Laser Beams
  01/21/18
...
Mewling pocket flask bawdyhouse
  03/26/18
It's pretty sad that it took Julia 2 days to come up with a ...
Pale Feces
  01/20/18
"Just fund your retirement and college from the same $5...
Transparent newt corner
  01/20/18
You’re completely missing the point. If you’re middle income...
violent private investor nursing home
  01/20/18
Everyone here is $400k in-house
Slap-happy Emerald Hunting Ground Goyim
  01/20/18
We should take a poll of how many people earn in excess of t...
violent private investor nursing home
  01/20/18
So are you middle income? I though this whole thread was pre...
Mewling pocket flask bawdyhouse
  03/26/18
You're tossing a credential that every sales'y "financi...
Umber Prole Ticket Booth
  01/20/18
Uhh, CFPs absolutely recommend portfolio compositions.
violent private investor nursing home
  01/20/18
CFA = designs the composition of risk-based portfolios CF...
Umber Prole Ticket Booth
  01/21/18
pretty good example of 99% of financial planners being flame...
Tantric Splenetic Azn Tanning Salon
  01/20/18
She’s an unadulterated retard.
Unholy hall boiling water
  01/20/18
My reasoning to not contribute to an IRA is unrelated to the...
violent private investor nursing home
  01/20/18
By the time your kid is college-age, your husband will be in...
poppy cumskin
  01/20/18
You guys think he’s much older than he is. He’s only about a...
violent private investor nursing home
  01/20/18
So he’ll be what? 70 or so when your kid starts college?
poppy cumskin
  01/20/18
65. I'll be 54.
violent private investor nursing home
  01/20/18
lol, jfc
poppy cumskin
  01/20/18
Why should someone who can afford to save in both a Roth and...
Tantric Splenetic Azn Tanning Salon
  01/20/18
If you can save in both, you absolutely should. If you can’t...
violent private investor nursing home
  01/20/18
You do understand that the limit you keep referring to is a ...
Histrionic Laser Beams
  01/21/18
If you have a high net worth there is a huge benefit to a 52...
Thriller fluffy chapel
  01/21/18
You’re totally out of your element here. 529s don’t benefit...
Filthy range ceo
  01/21/18
Wrong, wrong, wrong. There are limits on contributions based...
violent private investor nursing home
  01/21/18
...but you can just start another plan.
Histrionic Laser Beams
  01/21/18
Except that for a Roth IRA you have to wait until you are 59...
offensive aqua antidepressant drug
  01/20/18
No, you can withdraw for qualified educational expenses from...
violent private investor nursing home
  01/20/18
You don’t have to pay the penalty but you do have to pay inc...
Thriller fluffy chapel
  01/20/18
wait so if you withdraw early but use for qualified educatio...
offensive aqua antidepressant drug
  01/20/18
That is exactly what I said.
violent private investor nursing home
  01/20/18
do you have to pay tax on the gains when you withdraw from a...
offensive aqua antidepressant drug
  01/20/18
Not if you use it for a qualifying expense
Thriller fluffy chapel
  01/21/18
Yes, and you left out the key difference for why someone wou...
Thriller fluffy chapel
  01/21/18
Seriously. I'd be fucking pissed if I paid an "advisor...
Startling organic girlfriend dingle berry
  01/21/18
but julia isnt a financial advisor. she's a self proclaimed...
offensive aqua antidepressant drug
  01/21/18
yeah this is a pretty significant advantage of 529 plans. th...
offensive aqua antidepressant drug
  01/21/18
You can only withdraw the CONTRIBUTIONS from a Roth tax free...
Filthy range ceo
  01/21/18
not true
shivering puppy
  01/20/18
looks like i self pwned on this.
offensive aqua antidepressant drug
  01/20/18
is this flame? I really can't tell
coral reading party
  01/20/18
also lol @ using "personal finance expert" as of t...
offensive aqua antidepressant drug
  01/20/18
That’s what all the publications that quote me for financial...
violent private investor nursing home
  01/20/18
I can sort of understand better why you defend media bullshi...
Startling organic girlfriend dingle berry
  01/21/18
Julia has the credited response. Max out the more flexible ...
Shimmering police squad
  01/20/18
Cr. It’s not a complicated concept. If you can only choose o...
violent private investor nursing home
  01/20/18
Not always.
Thriller fluffy chapel
  01/20/18
Sure it's not complicated if you don't take into account pay...
Startling organic girlfriend dingle berry
  01/21/18
Blah blah blah, non responsive. I’m well aware of how 529s ...
Filthy range ceo
  01/21/18
Exactly. The whole “oh, gains on $300K, who cares, chump cha...
Histrionic Laser Beams
  01/21/18
You don’t do the backdoor roth?
Thriller fluffy chapel
  01/21/18
I have a Roth 401k that I contribute about 25% of my yearly ...
Filthy range ceo
  01/21/18
Yea, if you already have a traditional Ira probably doesn’t ...
Thriller fluffy chapel
  01/21/18
PERSONAL | FINANCE | EXPERT pack it up boys we're done here...
disrespectful well-lubricated double fault
  01/21/18
180
Slap-happy Emerald Hunting Ground Goyim
  01/20/18
...
kink-friendly carnelian international law enforcement agency legal warrant
  01/21/18
I put in like $1k a month. Been doing it since our daughter...
Honey-headed Unhinged Water Buffalo
  01/18/18
$500/mo from me. $5k/yr from my parents. Still might not b...
Ungodly theater
  01/18/18
Brother, things are only going to get worse
Unholy hall boiling water
  01/18/18
this is scary to think about.
offensive aqua antidepressant drug
  01/18/18
Opt out, BROTHER. It's a scam. Let them find a skill they ...
Racy swollen corn cake station
  01/20/18
Seconded.
Aromatic state genital piercing
  01/21/18
Dude your parents are pumping $5k/yr? I mean not a huge dea...
autistic theatre stain
  01/18/18
don't you make like 500k a year or something
Arrogant set
  01/18/18
...
hyperventilating magenta trump supporter church
  01/20/18
$1000/month per kid plus a little extra each year. Fucking ...
Ocher Psychic Turdskin
  01/18/18
Ducking retarded. By the time your kids are in college eve...
provocative property
  01/18/18
1. I’m rich. 2. Appropriate Moniker.
Ocher Psychic Turdskin
  01/18/18
zero
shivering puppy
  01/18/18
I'll start putting in money if the kid is confirmed non-auti...
Beady-eyed drab church building
  01/18/18
Zippola. Won a lottery so my kid gets fully funded 4 years ...
Snowy glittery garrison
  01/18/18
(Guy who married into African blood)
provocative property
  01/18/18
Explain?
Histrionic Laser Beams
  01/21/18
Zero. They can take out loans if they value paying $80,000...
provocative property
  01/18/18
$1,000/mo. Second kid coming in June. I’m fucked.
Tantric Splenetic Azn Tanning Salon
  01/18/18
$200/month since birth. Two kids. Will look to up it p...
stubborn pisswyrm jewess
  01/18/18
0
fear-inspiring olive sanctuary
  01/18/18
If the kid dies do you get the money back?
Indecent stirring twinkling uncleanness
  01/18/18
It’s transferable without penalty. And if you want to withdr...
Ocher Psychic Turdskin
  01/18/18
You pay tax on the gains but no penalty
Thriller fluffy chapel
  01/20/18
It gets put in the boomer’s social security fund
excitant forum fanboi
  01/18/18
"Fuh-rat-ree-side? Hey pops, you're pretty smart, what...
Rose locus
  01/18/18
Merit scholarship or CUNY. Fuck 529s.
Exhilarant point french chef
  01/18/18
lol @ you reproduxing
Self-absorbed base
  01/18/18
If they get a merit scholarship, you can withdraw that amoun...
Thriller fluffy chapel
  01/20/18
You idiots realize when your kids apply to college in 15 yea...
Nubile Box Office
  01/18/18
Cr also fuck this niggerkike country
Grizzly Native Clown
  01/18/18
lol @ them limiting it to 529s. You arent sufficiently cyni...
Ocher Psychic Turdskin
  01/20/18
...
shivering puppy
  01/20/18
I have a hard time seeing these big colleges moving away fro...
Thriller fluffy chapel
  01/20/18
even now it counts as an asset for FAFSA but 401(k), 403(b),...
wine mexican
  01/20/18
Good info!
Henna Really Tough Guy Rehab
  01/20/18
Planning for minor emancipation is underrated.
Transparent newt corner
  01/20/18
a) they aren't minors by the time they're in college b) i...
Arrogant set
  01/20/18
And this is why Julia's way, outlined above, is more CR.
shivering puppy
  01/20/18
i agreed with her reasoning for the most part, anyway not s...
cowardly heaven mental disorder
  01/21/18
Lol at our fraud government
Thriller fluffy chapel
  01/20/18
This post is underrated on multiple levels.
mint marvelous macaca
  01/20/18
$1,167 per month. No kids. If I don't have kids, it will go ...
Henna Really Tough Guy Rehab
  01/20/18
NIGGER AT TODAY'S PRICES U COULD BE BUYING 1 ETH PER MONTH
Tantric Splenetic Azn Tanning Salon
  01/20/18
...
Grizzly Native Clown
  01/21/18
The way private schools work is the charge $50,000 tuition, ...
Henna Really Tough Guy Rehab
  01/20/18
What "elite" colleges do you have in mind?
Transparent newt corner
  01/20/18
Carleton, St Olaf, Gustavus, Macalester
Henna Really Tough Guy Rehab
  01/20/18
He asked about elite colleges
Unholy hall boiling water
  01/20/18
...
harsh aphrodisiac area ladyboy
  01/20/18
...
Ocher Psychic Turdskin
  01/20/18
Explain this; I'd assume the 529 payment needs to be made to...
Umber Prole Ticket Booth
  01/20/18
If your child gets a scholarship for X dollars, the parents ...
Henna Really Tough Guy Rehab
  01/20/18
You still need to pay tax on the gains for that type of with...
Thriller fluffy chapel
  01/20/18
tyty.
Henna Really Tough Guy Rehab
  01/20/18
Didn't want to get into 529 v. UGMA, but I 100% went for UGM...
swashbuckling mischievous sex offender mad-dog skullcap
  01/20/18
"529 basically worthless at Naval Academy or West Point...
Henna Really Tough Guy Rehab
  01/20/18
oh cool, didn't know that was a new law (well new as in 2003...
swashbuckling mischievous sex offender mad-dog skullcap
  01/20/18
New York's 529 is with vanguard
Vivacious Turquoise Goal In Life
  01/20/18
You forgot the biggest drawback of a UGMA: your kid owns the...
Filthy range ceo
  03/26/18
10k/year (up to state tax benefit in NY).
Very tactful fantasy-prone address
  01/20/18
I max it out for 2 kids 2500/month each (60k per year). I k...
seedy den death wish
  01/20/18
How old are you that student loans weren't available?
Vivacious Turquoise Goal In Life
  01/20/18
Fair point - they were probably available. But I didn't wan...
seedy den death wish
  01/20/18
Same - NYS tax benefit. I should probably do more honestly.
Thriller fluffy chapel
  01/21/18
yes
Gay Sexy Idiot Deer Antler
  04/24/18
lol @ paying for my kid's college....scholarship or trade sc...
Laughsome effete generalized bond multi-billionaire
  01/20/18
As noted above you can withdraw money if your brilliant kid ...
Thriller fluffy chapel
  01/21/18
nokidmo here but I put 1000 every year for my nephew and nie...
balding saffron spot new version
  01/20/18
I should probably start doing this for my nephew. It’s not h...
Ocher Psychic Turdskin
  01/21/18
That’s very generous
Thriller fluffy chapel
  01/21/18
yeah i'd be a horrible dad but am a great uncle; last summer...
balding saffron spot new version
  01/21/18
Zero. They can pay for college themselves like I did. Wil...
Aromatic state genital piercing
  01/21/18
Is that true? I was old as shit when I went to law school a...
Ocher Psychic Turdskin
  01/21/18
Yep. I never once had to ask my parents for financial info....
Aromatic state genital piercing
  01/21/18
You shouldn't have needed to provide your parents info if ge...
Aromatic state genital piercing
  01/21/18
100-plus poast thread!
Unholy hall boiling water
  01/21/18
$1,000/mo. $100/mo in a 529 for niece whose parents can't g...
Yapping costumed elastic band institution
  03/26/18
Higher education is flame.
appetizing indirect expression regret
  03/26/18
it is but good luck avoiding it
Thriller fluffy chapel
  03/26/18
Guy who never had this poaster - https://goodmenproject....
Mewling pocket flask bawdyhouse
  03/26/18
...
Domesticated center tank
  04/24/18
holy shit
Obsidian 180 Quadroon Pit
  04/24/18
...
Unholy hall boiling water
  08/07/18
Lmao at Julia holy shit
vermilion shrine lettuce
  12/15/19


Poast new message in this thread



Reply Favorite

Date: January 18th, 2018 8:53 PM
Author: Unholy hall boiling water

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: charismatic brindle friendly grandma

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: Unholy hall boiling water

Wut?

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



Reply Favorite

Date: January 20th, 2018 1:22 PM
Author: talented cyan orchestra pit

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: seedy den death wish

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: Crystalline location son of senegal

TCR

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



Reply Favorite

Date: January 18th, 2018 8:59 PM
Author: Racy swollen corn cake station

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: offensive aqua antidepressant drug

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: Shimmering police squad

CR

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



Reply Favorite

Date: January 18th, 2018 9:04 PM
Author: Filthy range ceo

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: Unholy hall boiling water

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: Filthy range ceo

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: violent private investor nursing home

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: Unholy hall boiling water

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: Ocher Psychic Turdskin

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: violent private investor nursing home

No

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



Reply Favorite

Date: January 18th, 2018 9:30 PM
Author: offensive aqua antidepressant drug

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: Ocher Psychic Turdskin

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: offensive aqua antidepressant drug

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: Ocher Psychic Turdskin

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: provocative property

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: Aromatic state genital piercing



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



Reply Favorite

Date: January 18th, 2018 10:56 PM
Author: Filthy range ceo

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: Bearded sick personal credit line stage



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



Reply Favorite

Date: January 18th, 2018 11:24 PM
Author: offensive aqua antidepressant drug

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: Self-absorbed base

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: Grizzly Native Clown

OooooooF

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



Reply Favorite

Date: January 20th, 2018 9:49 AM
Author: Racy swollen corn cake station

TitcOOOF

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



Reply Favorite

Date: January 20th, 2018 8:00 AM
Author: hyperventilating magenta trump supporter church

Rawr

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



Reply Favorite

Date: January 20th, 2018 9:34 AM
Author: violent private investor nursing home

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: excitant forum fanboi

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)



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Date: January 20th, 2018 9:43 AM
Author: violent private investor nursing home

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: excitant forum fanboi

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: plum soul-stirring hominid

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: Razzle bossy abode

Spics_are_stupid.txt

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



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Date: January 20th, 2018 9:47 AM
Author: Thriller fluffy chapel

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: Unholy hall boiling water

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: violent private investor nursing home

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)



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Date: January 20th, 2018 3:08 PM
Author: Thriller fluffy chapel

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)



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Date: January 21st, 2018 6:09 AM
Author: Aromatic state genital piercing

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)



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Date: January 21st, 2018 4:35 PM
Author: disrespectful well-lubricated double fault



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



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Date: January 21st, 2018 4:41 PM
Author: Histrionic Laser Beams



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



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Date: January 21st, 2018 4:42 PM
Author: Histrionic Laser Beams

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)



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Date: March 26th, 2018 11:18 AM
Author: Mewling pocket flask bawdyhouse



(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: Pale Feces

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: Transparent newt corner

"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: violent private investor nursing home

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: Slap-happy Emerald Hunting Ground Goyim

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: violent private investor nursing home

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: Mewling pocket flask bawdyhouse

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: Umber Prole Ticket Booth

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: violent private investor nursing home

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: Umber Prole Ticket Booth

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: Tantric Splenetic Azn Tanning Salon

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: Unholy hall boiling water

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: violent private investor nursing home

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: poppy cumskin

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: violent private investor nursing home

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: poppy cumskin

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: violent private investor nursing home

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: poppy cumskin

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: Tantric Splenetic Azn Tanning Salon

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: violent private investor nursing home

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)



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Date: January 21st, 2018 4:47 PM
Author: Histrionic Laser Beams

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)



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Date: January 21st, 2018 4:52 PM
Author: Thriller fluffy chapel

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: Filthy range ceo

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: violent private investor nursing home

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)



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Date: January 21st, 2018 11:13 PM
Author: Histrionic Laser Beams

...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: offensive aqua antidepressant drug

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: violent private investor nursing home

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)



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Date: January 20th, 2018 3:11 PM
Author: Thriller fluffy chapel

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: offensive aqua antidepressant drug

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)



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Date: January 20th, 2018 3:54 PM
Author: violent private investor nursing home

That is exactly what I said.

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



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Date: January 20th, 2018 3:55 PM
Author: offensive aqua antidepressant drug

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: Thriller fluffy chapel

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: Thriller fluffy chapel

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)



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Date: January 21st, 2018 11:45 PM
Author: Startling organic girlfriend dingle berry

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)



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Date: January 21st, 2018 11:50 PM
Author: offensive aqua antidepressant drug

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)



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Date: January 21st, 2018 11:45 PM
Author: offensive aqua antidepressant drug

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: Filthy range ceo

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)



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Date: January 20th, 2018 2:03 PM
Author: shivering puppy

not true

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



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Date: January 20th, 2018 3:06 PM
Author: offensive aqua antidepressant drug

looks like i self pwned on this.

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



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Date: January 20th, 2018 1:18 PM
Author: coral reading party

is this flame? I really can't tell

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



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Date: January 20th, 2018 1:20 PM
Author: offensive aqua antidepressant drug

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: violent private investor nursing home

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)



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Date: January 21st, 2018 11:46 PM
Author: Startling organic girlfriend dingle berry

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)



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Date: January 20th, 2018 2:14 PM
Author: Shimmering police squad

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)



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Date: January 20th, 2018 2:16 PM
Author: violent private investor nursing home

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: Thriller fluffy chapel

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: Startling organic girlfriend dingle berry

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: Filthy range ceo

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: Histrionic Laser Beams

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: Thriller fluffy chapel

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: Filthy range ceo

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)



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Date: January 21st, 2018 6:34 PM
Author: Thriller fluffy chapel

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: disrespectful well-lubricated double fault

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: Slap-happy Emerald Hunting Ground Goyim

180

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



Reply Favorite

Date: January 21st, 2018 11:55 PM
Author: kink-friendly carnelian international law enforcement agency legal warrant



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



Reply Favorite

Date: January 18th, 2018 9:21 PM
Author: Honey-headed Unhinged Water Buffalo

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: Ungodly theater

$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: Unholy hall boiling water

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: offensive aqua antidepressant drug

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: Racy swollen corn cake station

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: Aromatic state genital piercing

Seconded.

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



Reply Favorite

Date: January 18th, 2018 11:32 PM
Author: autistic theatre stain

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: Arrogant set

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: hyperventilating magenta trump supporter church



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



Reply Favorite

Date: January 18th, 2018 9:24 PM
Author: Ocher Psychic Turdskin

$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: provocative property

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: Ocher Psychic Turdskin

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: shivering puppy

zero

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



Reply Favorite

Date: January 18th, 2018 9:29 PM
Author: Beady-eyed drab church building

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: Snowy glittery garrison

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: provocative property

(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: Histrionic Laser Beams

Explain?

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



Reply Favorite

Date: January 18th, 2018 9:31 PM
Author: provocative property

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: Tantric Splenetic Azn Tanning Salon

$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: stubborn pisswyrm jewess

$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: fear-inspiring olive sanctuary

0

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



Reply Favorite

Date: January 18th, 2018 11:06 PM
Author: Indecent stirring twinkling uncleanness

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: Ocher Psychic Turdskin

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: Thriller fluffy chapel

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: excitant forum fanboi

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: Rose locus

"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: Exhilarant point french chef

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: Self-absorbed base

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: Thriller fluffy chapel

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: Nubile Box Office

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: Grizzly Native Clown

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: Ocher Psychic Turdskin

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: shivering puppy



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



Reply Favorite

Date: January 20th, 2018 9:52 AM
Author: Thriller fluffy chapel

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: wine mexican

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: Henna Really Tough Guy Rehab

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: Transparent newt corner

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: Arrogant set

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: shivering puppy

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: cowardly heaven mental disorder

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: Thriller fluffy chapel

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: mint marvelous macaca

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: Henna Really Tough Guy Rehab

$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: Tantric Splenetic Azn Tanning Salon

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: Grizzly Native Clown



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



Reply Favorite

Date: January 20th, 2018 11:36 AM
Author: Henna Really Tough Guy Rehab

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: Transparent newt corner

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: Henna Really Tough Guy Rehab

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: Unholy hall boiling water

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: harsh aphrodisiac area ladyboy



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



Reply Favorite

Date: January 20th, 2018 1:53 PM
Author: Ocher Psychic Turdskin



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



Reply Favorite

Date: January 20th, 2018 11:58 AM
Author: Umber Prole Ticket Booth

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: Henna Really Tough Guy Rehab

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: Thriller fluffy chapel

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: Henna Really Tough Guy Rehab

tyty.

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



Reply Favorite

Date: January 20th, 2018 12:04 PM
Author: swashbuckling mischievous sex offender mad-dog skullcap

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: Henna Really Tough Guy Rehab

"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: swashbuckling mischievous sex offender mad-dog skullcap

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: Vivacious Turquoise Goal In Life

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: Filthy range ceo

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: Very tactful fantasy-prone address

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: seedy den death wish

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: Vivacious Turquoise Goal In Life

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: seedy den death wish

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: Thriller fluffy chapel

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: Gay Sexy Idiot Deer Antler

yes

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



Reply Favorite

Date: January 20th, 2018 3:53 PM
Author: Laughsome effete generalized bond multi-billionaire

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: Thriller fluffy chapel

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: balding saffron spot new version

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: Ocher Psychic Turdskin

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: Thriller fluffy chapel

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: balding saffron spot new version

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: Aromatic state genital piercing

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: Ocher Psychic Turdskin

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: Aromatic state genital piercing

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: Aromatic state genital piercing

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: Unholy hall boiling water

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: Yapping costumed elastic band institution

$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: appetizing indirect expression regret

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: Thriller fluffy chapel

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: Mewling pocket flask bawdyhouse

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: Domesticated center tank



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



Reply Favorite

Date: April 24th, 2018 1:15 PM
Author: Obsidian 180 Quadroon Pit

holy shit

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



Reply Favorite

Date: August 7th, 2018 9:15 PM
Author: Unholy hall boiling water



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



Reply Favorite

Date: December 15th, 2019 4:59 PM
Author: vermilion shrine lettuce

Lmao at Julia holy shit

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