Regarding taxable vs 529s, just an example: my kids' 529s, which we're using now, are mostly gains (roughly 70% of the balance of the account). If that were in taxable, I'd be paying upper 30% rates (federal and CA) on the gain . . . the 529 approach of paying 0% on the gains seems way better to me. And if it ends up overfunded, use it for a grandkid . . . YMMV
Statistics: Posted by WestCoastPhan — Fri Nov 21, 2025 12:20 am — Replies 48 — Views 3344