All right. We are going to answer your questions today though. I've got a lot in the hopper, so I'm going to go ahead and dive in ready yes ma'am the first one is from

every manish it says I'd love to hear the money guy team's take on the new rules allowing

529 beneficiaries to roll over unused funds to a Roth IRA.

How much better does this make 529s for supporting your kids future.

Can I editor-in-law for just a moment?

Yeah, sure.

When this first happened, everybody was like,

Oh, oh, oh, oh, oh my gosh, this is gonna be incredible,

five to nine, blah, blah, blah, and people got so so excited about it.

I don't think it's actually a planning opportunity.

I don't think it's something that's like,

I'm going to specifically plan around this.

What I think it is, I think it's a nice catch-all.

Basically what it says is, hey, if you're someone who's saving for your child to go to college.

And they get scholarships, they get grants,

college is less expensive if you thought.

And you just happen to end up with excess $5.29.

Here's a mechanism where you can use those excess $5.29 to fund Roth IRAs.

I think it's a catch-all.

I think it's like an asterisk and addendum that allows you to capitalize on money that was kind of still left out there.

I don't think it's something where parents ought to say, oh, you know what I'm going to do.

I'm going to grotesquely overfund my 529 so that in some point in the future, I can then start dumping this into Roth because if you do that what you end up doing is you end up cannibalizing your kids ability to save in their Roth IRA and so I think it's fine that it exists there I don't think it's exciting as

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