When it comes to saving for your kids’ future, the options can feel overwhelming—529 plans, UTMA accounts, taxable brokerage accounts, or just keeping the money in your own name. Which is best? And how do new tax law changes (like the SECURE Act 2.0 and the “Big Beautiful Bill”) change the conversation? In this episode, we break down: The pros and cons of 529 college savings plans (and how new rules make them more flexible than ever) Why UTMA/UGMA custodial accounts can be powerful—but also risky once kids gain control at 18 or 21 The case for simply saving in your own brokerage account and gifting later How grandparents, aunts, and uncles should think about gifting strategies for education The tax angles that make each option more or less attractive Whether you’re a new parent, soon-to-be grandparent, or just trying to figure out the smartest way to support your kids’ future, this conversation cuts through the confusion. 👉 Don’t just default to a 529 plan because Google says so. Understand the trade-offs, the flexibility, and the long-term tax impact.