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What Type Of A College Saver Are You?

college saverI am a new mom to two beautiful twin boys! The day I held them in my arms I felt the whole world’s responsibility on my shoulders. And on the hospital bed in the minimum idle time I get, I was looking for ways to save for my kids’ college education. I came across quite a lot of jargon. 529 plans, high-interest yielding savings accounts, CD’s etc. What should I choose? What type of a college saver am I really? How do I manage college savings among the many expenses and consumer debt after having two babies?

What Type of a College saver Am I?

When I was searching for all these options I came across this interesting article online. The article described 3 types of college savers. Here goes!

1. General savers

According the article, general savers are on the right track! But they are not really optimal in their choice of saving method as they are most often using normal savings accounts instead of any investment accounts

2. Inconsistent 529 savers

The second type of college savers the article identifies is a group that is familiar with the perks of investing in a 529 plan because they own one. However, this category of college savers is also inconsistent with their contributions. This can be due to their efforts of debt relief.

3. Disciplined 529 savers

The third group of people is the disciplined, consistent 529 contributors. According to the article,  “these parents have a goal, and they’ve chosen an account type that’s specially designed to help them reach it. 529 accounts have minimal impact on a child’s financial aid eligibility, and they offer state and federal tax savings, high contribution limits, and a variety of investment options.”

So, which type of a college saver are you? Do you belong to any of the above?

ABOUT AUTHOR / Dilini

Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

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