529 Plan Vs Roth Ira For College
The hidden cost nobody budgets for: losing tax-free growth Every spring I see the same leak: families pay tuition straight from checking. It feels safe, it feels responsible… and it quietly torpedoes years of potential tax-free growth and state tax breaks. That’s the real gotcha. You work hard, you save, and then, when the bursar email hits, you sidestep the tools built for this job. The 529-plan-vs-roth-ira-for-college debate isn’t academic; it’s compounding, taxes, and financial aid math that shows up on the bottom line about 8 weeks after winter break. Here’s why the choice matters right now. College costs keep…