Saving for when he’s 18. Also considering a Child Roth IRA in addition to what I have now/whatever is recommended to me here. I do not want a 529 or any type of college savings type account.
Edit: Apparently my 4 year old needs earned income to be eligible for a custodial Roth IRA. This seems ridiculous to me but ok.
> Also considering a Child Roth IRA
Unless your young son has *earned income* as defined by the IRS, this will not be an allowed action.
Why the adverse thinking towards a 529?
Especially when you’re thinking Roth IRA.
SECURE 2.0 allows for 529 rollover to Roth IRA. There are still details to be released on specifics, but you probably shouldn’t just completely rule it out.
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