529 account vs retirement

Retirement

I have a 529 account set up for my daughter, I’m trying not to over fund too much past what can be rolled into a ROTH in case she ends up not needing it for education. Would it make sense to open one with my self as the beneficiary as well? That way if we need more money for her college I can just switch the beneficiary to her (I think) and if we don’t I can use it for my ROTH without having to wait 5 additional years. Any thoughts or advice are appreciated!

Posted Dec 4, 2025, 10:47 PM UTC

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