从照顾孩子的费用到为大学储蓄
When the kids no longer need child care services, consider dedicating that money to college funding.
你的孩子是数百万儿童保育中心的孩子之一吗? If so, child care expenses are likely a significant line item in your budget. 可靠的托儿服务可能很难负担得起. 根据最近的研究，送孩子去 日托平均每周340美元 如果雇保姆，平均每周要花费612美元.
为大学存钱 may seem impossible while paying for child care along with other fixed expenses, 比如住房, 公用事业和食品. 然而，隧道的尽头还是有光明的. When your child begins elementary school and no longer requires full-time child care, you may see a significant increase in your discretionary income each month.
为大学存钱
Before you convert those child care dollars into disposable income, consider 为孩子的大学教育投资. After all, you may already be accustomed to living without that income. 我们有一个 大学储蓄计算器 that can be utilized to help determine how much to save for your child’s college education. 请记住， 平均成本 for both tuition and 书 can vary greatly depending on the school selected.
为大学投资
T在这里 are different investment options available that offer tax advantages while you accumulate funds to help pay for future education expenses.
Coverdell教育储蓄帐户(ESA)
一种选择是 科威达教育储蓄帐户(ESA). ESA是一个信托或托管账户，有2美元,000 annual contribution limit that can be used for your child's elementary and secondary education, 以及专上教育, 比如大学, 研究生院或职业学校. 你可以定期投资于Coverdell ESA账户, 如果你的收入低于一定数额, with current year contributions accepted until that year's tax-filing deadline.
529大学储蓄计划
If you'd like to invest more toward your child's education, consider a 529储蓄计划 用于符合条件的高等教育费用. 取决于 529年计划 你可以选择，它也可以在小学或中学使用. 即使你没有达到你所在州允许的最高金额, it's a good idea to save smaller amounts every month or every paycheck.
A quality education may be one of the most important factors in determining your child's future. 开始存钱永远不会嫌早, and dedicating funds you previously used for child care may be a great way to start.
