For years, one of the biggest fears with college savings was “What if there’s money left over?” That question kept many families from fully funding a 529 plan, worried about penalties or wasted savings. But a major rule change has flipped that concern into an opportunity—especially for grandparents looking to build long-term wealth for their grandkids. Thanks to a newer provision under the SECURE Act 2.0, unused 529 funds can now be rolled into a Roth IRA—tax-free. This strategy could quietly turn education savings into a powerful retirement head start.
