Reality Radio for a really great future.

We're talking real money.

Well, it must be Friday again, and I'm Don McDonald.

So it's Friday, and I'm Don McDonald, which means I'm answering questions.

It's just me.

And you sent your questions in, although we could use a few more.

If you really want to get them answered, just go to Talking RealMoney.com and send them in on the

contact form. Preferably speak them because those are the ones I use on Friday, the spoken ones.

The written ones we use whenever. So go to Talking RealMoney.com, click on the contact form, then click on the mic, record

your question, and then we'll get that answered.

I'll get that answered on a Friday show.

Thank you so much for tuning in, joining us, being a part of the podcast, and let's just

dive right in to our first question.

Hi, guys.

With the new rules related to 529 plans and Roth IRA transfers, included with how liberal the rules are towards being able to move a 529 plan from relatives to relatives,

to relative, et cetera, et cetera.

Is there a case to be made that you could load up a 529 with as much money as possible

and possibly use that as an additional retirement bucket?

I know that you can't use the last five years earnings or

contributions to transfer out to a Roth IRA, but say that you loaded up a Roth IRA for one child.

It grows over 18 years to a substantial amount of money.

And then at the end of that time period, the child gets a full-ride scholarship and doesn't need any of that money. You could transfer $35,000 out over the $7,000 per year period to him and then transfer the entirety of the account, change the beneficiary over to a sibling,

...