1875: Ask Farnoosh: How to Pay for College (Actually) + 529 Improvements

So Money with Farnoosh Torabi

Farnoosh Torabi

Entrepreneurship, Business

4.7 • 1.9K Ratings

🗓️ 5 September 2025

⏱️ 49 minutes

🔗️ Recording | iTunes | RSS

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Summary

In this episode of So Money, host Farnoosh Torabi dedicates the conversation to college savings in recognition of College Savings Month. Returning guest Patricia Roberts, author of Route 529 and a leading expert on college savings, breaks down the latest updates to 529 plans, including expanded uses under the newly signed HR1 bill.

Together, they explore whether college is still worth the investment, the growing benefits of 529s for both K–12 and post-secondary credentials, and practical strategies for realistic saving. Listener questions are also answered—covering how to save for multiple children, the differences between federal and private loans, and when families might choose a 529 over alternative accounts like brokerage or custodial accounts.

Farnoosh and Patricia share practical tips for families at every stage of the college savings journey, emphasizing planning, flexibility, and smart use of resources, including employer contributions. This episode is a must-listen for parents and caregivers looking to secure a strong financial foundation for their children’s education.

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Transcript

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0:24.5	with sun express so many episode 1875 ask farnoosh you're listening to so money with award-winning money guru Farnoosh Karabi.
0:41.8	Each day, get a 30-minute dose of financial inspiration from the world's top business minds,
0:47.1	authors, influencers, and from Farnoose yourself.
0:51.1	Looking for ways to save on gas or double your double coupons?
0:54.9	Sorry.
0:55.7	You're in the wrong place.
0:57.2	Seeking profound ways to live a richer, happier life.
1:00.6	Welcome to So Money.
1:03.6	Welcome to So Money, everybody.
1:05.4	It's Ask Farnoush Friday.
1:06.9	Did you know this?
1:07.7	It's College Savings Month.
1:09.0	And so we're dedicating this entire episode to
1:12.3	how to do that, how to prepare for college, how to afford it, should you afford it.
1:17.3	And helping us out today, as always when we talk about 529s in college savings, is our friend
1:22.8	Patricia Roberts, who's the author of the newly updated book Route 529, one of the nation's leading experts on
1:29.7	college savings. Patricia, how are you? Doing great, Farnoush. Thanks for having me today and
1:36.2	having me to talk about one of my favorite topics. Yeah, so timely. Thank you. You brought this to my
	...

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