First, rolling unused 529 funds into an IRA was only achievable with the passage of the SAVE act in 2024 (just 2 years ago) this function hasn’t been around for a long time.
Fair point. However, $35k invested at age 21 in an IRA has a very good chance of being hundreds of thousands by retirement, and education expenses are lifelong costs as well.
Fair point. However, $35k invested at age 21 in an IRA has a very good chance of being hundreds of thousands by retirement, and education expenses are lifelong costs as well.