In this special "Behind the Numbers" edition, Cory takes you deeper into the 529 plan conversation with a full spreadsheet walkthrough. He breaks down every scenario from Part 1: Comparing 529 plans, brokerage accounts, student loan strategies, and new Roth IRA conversion rules, using real S&P return data and clear assumptions.
Cory demonstrates how small differences in tax treatment, timing, or risk allocation can completely change long-term results, and he highlights the surprising cases where a 529 wins, and where it doesn't. You'll see the real math behind college savings, including scenarios for state tax deductions, financial turbulence, and the powerful "collegium Roth" approach.
Whether you're a parent, planner, or investor, this episode turns abstract strategy into numbers you can actually understand.
Check out Part 1: https://youtu.be/RQLGY1OE1vs
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Timestamps:
00:40 – Rate of Return (ROR) Assumptions
01:48 – Scenario 1: Brokerage Account ($100K total over 18 years, pay cash for school)
04:25 – Scenario 2: 529 Plan ($100K total over 18 years)
07:37 – Scenario 3: Brokerage Account + Student Loans (use loans first, pay off later)
12:54 – Scenario 4: 529 with State Tax Deduction (South Carolina Example)
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