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The Adventures of a Twin Mom

Motherhood and Travel Blog

June 10, 2021

Planning for Our Kids’ Future- College and More

It’s crazy to think that in 15 years my babies will be in college! 15! We are just guesstimating that our kids will need $50,000 per year per college, that is $400,000 for us with two kids! And…that doesn’t even include the cost of their first car, wedding, etc. We decided a while back that we needed to start a fund so we don’t have to worry about these things when the time comes. However, we weren’t sure how to do this because most saving plans out there were only for school until we discovered UNest!  We were sold!

UNest makes it easy for parents to invest in their children’s future with a simple, flexible, and tax-advantaged custodial account for minors. Plus, your family and friends can contribute funds to your child’s UNest Investment Account too!

There were several reasons why we selected UNest:

Flexibility

We loved how flexible UNest is compared to other saving accounts that can only be used for education. Funds saved can be used across any of your child’s life events like college, their first car, down payment on the house, wedding day or any other important milestone.

More Options Than a 529 Plan

Both 529 plans and UNest custodial accounts offer tax advantages for parents and others to help save for a child’s tuition and other educational expenses. However, UNest’s Investment Account for Kids goes over and beyond and offers a flexible way to save for all the future life stages your child will experience. This may or may not include education. You can use the funds you invest in UNest for any expense that benefits the child named on the account like mentioned in the previous section.

Tax Benefits

Up to $2,200 in annual earnings in a UNest Investment Account for Kids grow in a tax-advantaged way. The first $1,100 of the earnings is completely tax-free. The next $1,100 is taxed at the child’s tax rate.

Money is Safe and Insured

Security is a priority for UNest. UNest provides the highest levels of security to ensure your information and data is safe. All accounts are protected with 256-bit SSL encryption and continually monitored for extraordinary or suspicious activity by our Compliance team.  Also, all UNest tax-advantaged Investment Account for Kids are SIPC-insured up to $500,000 (up to $250,000 for cash claims) and held, with broker-dealer Apex Clearing Corporation, Member SIPC.

Doesn’t that all sound great? I don’t even want to think about becoming empty nesters yet but I  know it’s better to always be prepared!  I’m thankful that we’ve started a college fund for our kids so that when the time comes, we will be ready thanks to UNest! You can download the app here.

This post was sponsored by UNest but all opinions are my own.

17 Comments

Comments

  1. Heather

    June 10, 2021 at 6:23 pm

    I signed up for UNest when my oldest was a baby. I totally forgot about it until now!

    Reply
  2. Tara Pittman

    June 10, 2021 at 7:04 pm

    What a great way to save for college. This seems like such a smart program.

    Reply
  3. Myrah Duque

    June 10, 2021 at 7:04 pm

    Saving money for college is IMPORTANT. My daughter graduated from NYU and later The University of Michigan for her Master’s degree. Luckily she had full rides! FREE college all the way.

    Reply
  4. Ben

    June 10, 2021 at 8:32 pm

    That is such an awesome idea! Saving for the kids’ future is key, but it can be hard to do. It’s never too early to start.

    Reply
  5. Brianne

    June 10, 2021 at 8:34 pm

    I need to look into this! We have a savings plan for the kids right now, but I think we can do better.

    Reply
  6. Kuntala

    June 10, 2021 at 8:34 pm

    UNest sounds like an excellent way to give the kids a huge head start. I think this will be a big help to so many parents.

    Reply
  7. Kathy

    June 10, 2021 at 10:05 pm

    It’s great to save up when you can. My husband and I have been doing the same for our kids. We’ll set money aside for them whenever we can.

    Reply
  8. Lizzy

    June 10, 2021 at 11:11 pm

    Saving up for college is so important! Thanks for sharing UNest!

    Reply
  9. Ivan Jose

    June 11, 2021 at 12:24 am

    I do agree that we really need to plan for our kids’ college education. It’s always wise to start early.

    Reply
  10. Wanda Lopez

    June 11, 2021 at 9:22 am

    What a wonderful program and post. I wish I had set up college funds for my kids.

    Reply
  11. Kita Bryant

    June 11, 2021 at 12:33 pm

    I had a friend who saved money by doing all the dinky intro classes at her community college. Of course, she made sure those classes transferred to her main university first. She then took the program specific classes at the university. It saved her a TON!

    Reply
  12. Marysa

    June 11, 2021 at 6:53 pm

    My kids are getting older (middle and high school) and I need to start thinking about a plan. These are all good things to think about.

    Reply
  13. Romy

    June 12, 2021 at 5:47 am

    This is such a useful & informative post! We have a .529 plan and it is one of the best things we’ve ever done

    Reply
  14. Emman Damian

    June 13, 2021 at 2:49 am

    What a fantastic idea! We want to insure that our kids will be secured in the future. It’s worth it!

    Reply
    • Brianna

      July 8, 2021 at 9:36 pm

      It definitely is!

      Reply
  15. Nkem

    June 13, 2021 at 1:47 pm

    It must feel good to have a plan and a sense of security for the future. Good for you! I know that when I was a kid, just knowing that I would be taken care of took stress off my young shoulders.

    Reply
    • Brianna

      July 8, 2021 at 9:36 pm

      Absolutely!!

      Reply

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Hi! I'm Brianna! I'm a wife, mom of twin toddlers, a blogger, and a world traveler. Welcome to a small piece of our perfect chaos!

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AD: When life gives you lemons, make lemonade! Did AD: When life gives you lemons, make lemonade! Did you know that 1 in 4 kids in our community don’t know where their next meal is coming from? Summer is especially challenging without the help of school lunches. That’s why Food Lion is partnering with 7 brands: @aquafina @lays @kelloggsus @saraleebread @campbells @chexmix @breyers this summer for their Summers Without Hunger program to donate meals to local food banks – you can help by donating $5 at checkout at Food Lion and they will MATCH it! Doubling the donations! I am trying to raise up kids that care about others, and when I heard about this amazing @foodlion program, I knew I wanted them to be involved. They loved taking their proceeds to our local Food Lion and donating by themselves! Purchase a $5 donation at checkout in store or with your next Food Lion to Go order today to help child hunger! https://lnk2.io/wj2k6VL #FoodLionFeeds #SummersWithoutHunger #PutHopeOnTheTable
Our anniversary trip to Hilton Head Island was a d Our anniversary trip to Hilton Head Island was a dream! Sharing all the details about our trip…our stay @sonestahhi and everything we did on my blog today.  #hiltonhead
#AD These three could sit here all day playing gam #AD These three could sit here all day playing games!  Does your family love to play games? When we first moved in we had bugs in here. Thanks to @raid they are all gone and we no longer have to think about a bug crawling across our game boards!  We always have Raid® Ant & Roach Killer with Essential Oils and Raid® Ant Baits on hand. 
 We love that Raid® Ant & Roach Killer with Essential Oils is safe for use around kids and pets when used as directed. We buy these from our local @publix . #RaidProtects
9 years! 💗 Happy Anniversary, Judd! I’m so th 9 years! 💗 Happy Anniversary, Judd! I’m so thankful for you and this life we’ve built together.
AD: My kiddos, you are ONE IN A MELON! This past AD: My kiddos, you are ONE IN A MELON! 

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If someone asks me for a good place to take a summ If someone asks me for a good place to take a summer vacation with kids… Myrtle Beach is always in my top three spots! We had the best time there last month for a little family getaway of our own at @hiclubvacations South Beach Resort. #HostedByHCV

 

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Can someone bring me something frozen with a littl Can someone bring me something frozen with a little umbrella in it please? #thebaropensin15minutes😉 Judd and I are having such a wonderful vacation @sonestahhi! ☀️🌴🍹

#sonestahiltonhead #hiltonhead

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