2021年9月20日 · So I optimistically planned for 5% annual tuition increases, and 8% growth when I started to save. I lost a few years in a managed fund 529 plan before discovering this place and switching to the Vanguard-managed NY plan. (Highly recommend if you're not in a state that ties state tax benefits to their own plan, nysaves.org, 0.19% ER.)

2019年9月23日 · Edit: received response from NYsaves. Lots of general info, most relevant was this [bold mine]: Note: If you are a New York taxpayer, a rollover of assets from New York's 529 College Savings Program to a 529 plan in another state will be subject to New York State income tax on earnings, as well as the recapture of previous New York tax

2024年3月22日 · Moved the kids' 529 plans to NYSAVES for the low ERs, from a random provider my dad's financial advisor had suggested; Bought clothes from thrift stores instead of brand-new; Stopped buying random baby stuff; Optimized cell plans; Kept that car until it was totaled in an accident, and then replaced it with a used electric car

2014年3月31日 · Frugalnacho I like your mustache in your picture. Regarding your niece, if you are intending the funds to be used for college (like what you used the money from your aunt and uncles for) then I would check out the 529 college savings plans.

2019年7月21日 · The Money Mustache Community » ; Learning, Sharing, and Teaching » ; Mini Money Mustaches » ; Best 529 plans out there?

2015年7月13日 · Hello All, Long time lurker who loves personal finance and optimization. I want to ensure I am keeping my taxable income as low as possible and know this community will help me achieve that.

2017年6月15日 · This is a great question. Without a state income tax to side-step, 529 plans become a lot less compelling. For one, you can only use them for education expenses.

2015年4月22日 · We have a 529 with nysaves.org. I chose them because they offer low-cost vanguard index fund investments; the CT plan didn't. Even though I don't live in NY state and can't get a state discount, I determined the money I'll save on investment fees will soon be more than the tax break would be.

2017年2月14日 · Hello all, I am looking to open an account with Vanguard to invest in a 529 plan for my daughter. I currently have my roth IRA with vanguard tied to their total stock market index fund.

2016年2月9日 · I have a 10 month old and she currently has around $3,000; but Im not sure where to put it? Roth IRA? 529? We live in PA and my wife and I gross around 130-150k; and our close to maxing out funds.