Cash & Coffee | Smart Ways to Save for Your Child’s College | 529 vs ESA

16 days ago
11

In this episode of Cash and Coffee, hosts Kaitlyn Blum and Kayla Tenboer-Sipes talk about smart ways to save for a child’s or loved one’s college education. From Education Savings Accounts (ESAs) to 529 Plans, they break down what each option offers, who qualifies, and how to get started.

Kayla shares practical advice on why it’s important to focus on your own financial foundation first, including building an emergency fund and investing in your retirement before setting up an education fund. The episode also covers the flexibility of these plans, which can be used not only for college but also for trade schools, community colleges, and even K–12 tuition.

Grab your coffee and join Kaitlyn and Kayla as they make financial planning easy to understand and achievable for everyone.

☕ Topics Covered:

Education Savings Accounts (ESAs) vs. 529 Plans

Tax advantages of education savings

How and when to start saving for education

Using funds for trade schools, community colleges, and more

Why retirement should come before college savings

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🎧 Listen to the full podcast and explore more at https://theradar.online

🎤 Timestamps & Highlights:

00:25 – Introducing Cassie Wells & Helping Hands Food Pantry
00:46 – Mission: Serving with dignity & sharing God’s love
01:13 – Growth in community need: doubling guests in months
01:32 – How the pantry works: self-shop model
02:34 – Reducing waste & donating leftovers
03:13 – Providing dignity through choice & snacks for kids
03:59 – Challenges: meat supply & paper products
05:08 – How the community can support Helping Hands
05:27 – Location & pantry details
05:48 – Upcoming rib dinner fundraiser
06:47 – Other ways to donate & support
07:20 – Understanding food insecurity
08:04 – Fun question: Pantry items on a deserted island
08:40 – Urgent needs
09:23 – New projects
10:10 – Future fundraisers

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