{"id":3265,"date":"2019-04-03T09:20:20","date_gmt":"2019-04-03T09:20:20","guid":{"rendered":"https:\/\/clients.firstfinancialsecurity.com\/FFSBB\/?p=3265"},"modified":"2022-02-28T16:26:12","modified_gmt":"2022-02-28T16:26:12","slug":"how-to-catch-up-on-college-savings","status":"publish","type":"post","link":"https:\/\/agents.firstfinancialsecurity.com\/FFSBB\/2019\/04\/03\/how-to-catch-up-on-college-savings\/","title":{"rendered":"How To Catch Up On College Savings"},"content":{"rendered":"<p>If you\u2019ve fallen behind on college savings, don\u2019t panic. Know that you\u2019re not alone \u2013 it\u2019s easy to put off saving for college when you\u2019re more worried about teaching your children the ABC\u2019s than the SAT\u2019s.&nbsp; We\u2019ve already looked at how much you should have saved \u2013 roughly $2,000 per year after your child is born \u2013 to have a healthy college fund. Once you\u2019ve figured out how much you need to save, take immediate action to start putting money aside for the future. Even if you can\u2019t catch up completely, whatever savings you can generate between now and when your kids go off to college is better than no savings at all.<\/p>\n<p>The most important thing to do is simply begin. There are three things that can get you started even when you don\u2019t have a lot of time left to save.<\/p>\n<h3><\/h3>\n<p>&nbsp;<\/p>\n<h4>1. Set up a 529 plan.<\/h4>\n<p><a href=\"https:\/\/clients.firstfinancialsecurity.com\/FFSBB\/wp-content\/uploads\/2019\/04\/529collegesavings.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-3271\" src=\"https:\/\/clients.firstfinancialsecurity.com\/FFSBB\/wp-content\/uploads\/2019\/04\/529collegesavings-300x300.jpg\" alt=\"529 Plan College Savings\" width=\"220\" height=\"220\" srcset=\"https:\/\/agents.firstfinancialsecurity.com\/FFSBB\/wp-content\/uploads\/2019\/04\/529collegesavings-300x300.jpg 300w, https:\/\/agents.firstfinancialsecurity.com\/FFSBB\/wp-content\/uploads\/2019\/04\/529collegesavings-100x100.jpg 100w, https:\/\/agents.firstfinancialsecurity.com\/FFSBB\/wp-content\/uploads\/2019\/04\/529collegesavings-150x150.jpg 150w, https:\/\/agents.firstfinancialsecurity.com\/FFSBB\/wp-content\/uploads\/2019\/04\/529collegesavings.jpg 601w\" sizes=\"auto, (max-width: 220px) 100vw, 220px\" \/><\/a>When people think about investment tools for saving for their children&#8217;s\u2019 college education, a 529 plan is usually the first thing that comes to mind. There are some obvious reasons why 529 plans are so popular:<\/p>\n<ul>\n<li>These qualified tuition plans are specifically designed for education savings, so they\u2019re better optimized for those expenses than Roth 401(k)s or IRAs.<\/li>\n<li>Earnings are tax-free and can be withdrawn for educational purposes without a tax penalty.<\/li>\n<li>Many states allow you to deduct 529 plan account earnings from your state income taxes.<\/li>\n<\/ul>\n<p>While a 529 plan does have its benefits, it isn\u2019t your only option. There are other creative ways to get that college nest egg started.<\/p>\n<h4>2. Consider a Universal Life Insurance policy.<\/h4>\n<p><a href=\"https:\/\/clients.firstfinancialsecurity.com\/FFSBB\/wp-content\/uploads\/2019\/04\/lifeinsuranceeducation.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-3278\" src=\"https:\/\/clients.firstfinancialsecurity.com\/FFSBB\/wp-content\/uploads\/2019\/04\/lifeinsuranceeducation-300x300.jpg\" alt=\"\" width=\"219\" height=\"219\" srcset=\"https:\/\/agents.firstfinancialsecurity.com\/FFSBB\/wp-content\/uploads\/2019\/04\/lifeinsuranceeducation-300x300.jpg 300w, https:\/\/agents.firstfinancialsecurity.com\/FFSBB\/wp-content\/uploads\/2019\/04\/lifeinsuranceeducation-100x100.jpg 100w, https:\/\/agents.firstfinancialsecurity.com\/FFSBB\/wp-content\/uploads\/2019\/04\/lifeinsuranceeducation-150x150.jpg 150w, https:\/\/agents.firstfinancialsecurity.com\/FFSBB\/wp-content\/uploads\/2019\/04\/lifeinsuranceeducation.jpg 601w\" sizes=\"auto, (max-width: 219px) 100vw, 219px\" \/><\/a>The great benefit of a Universal Life Insurance policy is that you can borrow against its cash value, often tax-free. This can be a great way to augment a 529 plan that\u2019s underfunded because you got a late start.<\/p>\n<p>Money drawn from a Universal Life Insurance policy does not affect financial aid eligibility, whereas money drawn from a 529 plan can reduce the amount of financial aid your child is eligible to receive. Because Universal Life Insurance is a cash value policy, it can be a good way to maximize financial aid from other sources.<\/p>\n<p>Universal Life Insurance policies also provide flexibility. While it\u2019s good to have a 529 plan, there are some reasons not to put all of your college savings eggs into that one basket. If your child chooses not to go to college, withdrawing those funds or transferring them to another investment account will result in a tax penalty. With Universal Life, you can access the policy\u2019s cash value for a variety of reasons, including education expenses. The good news is, if you don\u2019t end up needing that money for college, it\u2019s still there and at your disposal for other needs.<\/p>\n<h4>3. Make Savings Automatic.<\/h4>\n<p><a href=\"https:\/\/clients.firstfinancialsecurity.com\/FFSBB\/wp-content\/uploads\/2019\/04\/saveautomatically-01.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-3280\" src=\"https:\/\/clients.firstfinancialsecurity.com\/FFSBB\/wp-content\/uploads\/2019\/04\/saveautomatically-01-300x300.jpg\" alt=\"Save automatically\" width=\"220\" height=\"220\" srcset=\"https:\/\/agents.firstfinancialsecurity.com\/FFSBB\/wp-content\/uploads\/2019\/04\/saveautomatically-01-300x300.jpg 300w, https:\/\/agents.firstfinancialsecurity.com\/FFSBB\/wp-content\/uploads\/2019\/04\/saveautomatically-01-100x100.jpg 100w, https:\/\/agents.firstfinancialsecurity.com\/FFSBB\/wp-content\/uploads\/2019\/04\/saveautomatically-01-600x600.jpg 600w, https:\/\/agents.firstfinancialsecurity.com\/FFSBB\/wp-content\/uploads\/2019\/04\/saveautomatically-01-150x150.jpg 150w, https:\/\/agents.firstfinancialsecurity.com\/FFSBB\/wp-content\/uploads\/2019\/04\/saveautomatically-01-768x768.jpg 768w, https:\/\/agents.firstfinancialsecurity.com\/FFSBB\/wp-content\/uploads\/2019\/04\/saveautomatically-01.jpg 800w\" sizes=\"auto, (max-width: 220px) 100vw, 220px\" \/><\/a>If you\u2019re aggressively trying to save for college, setting aside large lump sums is a given \u2013 tax returns, bonuses, and gifts from grandparents should all go into your 529 account or other fund dedicated to college savings. Those larger contributions may not come often, so find ways to make savings automatic. Continually contributing to your college savings means you\u2019re getting as much compound interest as possible.<\/p>\n<p>Set up automatic payments to your 529 account, budgeting what you can normally afford each month. Find ways to save elsewhere \u2013 couponing, eating out less, making coffee at home \u2013 and put what you would have spent into your 529 instead. Anytime you get a deal, consider moving those savings to your 529.<\/p>\n<p>Get a 529 credit card that contributes a percentage of each purchase to your 529 automatically \u2013 like airline miles or rewards. If you don\u2019t want the hit to your credit score that opening a credit card will bring, move all of the cashback earnings you get from existing cards to your 529 account.<\/p>\n<p>If you\u2019re behind on college savings, it\u2019s not the end of the world. Don\u2019t beat yourself up over what you <em>could have<\/em> or <em>should have<\/em> done in the past. Find creative ways now to start building your college savings now and you will be able to send your kids to college with less debt.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019ve fallen behind on college savings, don\u2019t panic. Know that you\u2019re not alone \u2013 it\u2019s easy to put off [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":6460,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[152,649],"tags":[151,153,154,155,156],"class_list":["post-3265","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-financial-insights","tag-151","tag-college","tag-college-savings","tag-universal-life-insurance","tag-withdrawal-penalty"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Saving for college<\/title>\r\n<meta name=\"description\" content=\"Find creative ways now to start building your college savings now\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" 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