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The guide focuses on early action, including opening and funding a 529 college savings plan, using auto-deposits, and incorporating money-learning habits through everyday conversations and age-appropriate activities. 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But everyone’s needs a start.  \nINTRODUCTION  \nWe aren’t school counselors or pediatricians or deans of Ivy League institutions. We don’t have degrees in early childhood development or child psychology.  \nBut we’ve changed diapers at three in the morning and inspected closets for monsters. We have planned holidays around naptime. We have shuttled children to soccer practice and ballet. We’ve imposed curfews, given driving lessons in an empty parking lot, and shared how to balance a checkbook. We’re parents from every walk of life, with children ranging from newborn to full-grown adult. We also happen to be 529 college savings professionals from all across the country.  \nThis guide is a list of ideas from us. It’s not a list of musts. It’s what we did, what we plan to do, or what we’d do differently to prepare a child for the future. Our focuses are career guidance, college preparation, basic financial literacy, and how you can lead your child in each of these areas at every age – whether they are 18 months or 18 years old.  \nEach section includes tips on how to work with children to instill a basic understanding of money. Inan age when many young adults are struggling to pay back student loans, these lessons are more vital than ever. Student debt can eat away at paychecks, limit opportunities and lead young people to put off starting their lives.  \nIt’s possible to put the next generation on a better path. Here’s how we think you do that.  \nCONTRIBUTORS  \nBetty Lochner  \nNational 529 Campaign  \nGrandmother to Azriel (3), Moses (1) and Addison (7 months)  \nYoung Boozer  \nNational 529 Campaign  \nFather to Alexis (37) and Young (34)  \nJulie Shields-Rutyna  \nMEFA U. Fund 529 College Investing Plan  \nMother to Brett (22) and Alison (18)  \nTroy Montigney  \nCollegeChoice 529  \nFather to Sophie (2 months)  \nBryn Ramjoue  \nmy529  \nMother to Gilligan (16)  \nPatricia Roberts  \n[GiftofCollege.com](GiftofCollege.com)  \nMother to Ben (20)  \nLael Oldmixon  \nEducation Trust of Alaska  \nMother to Quinn (9) and Mae (7)  \nINFANTS & TODDLERS  \nYou’ve just welcomed a new member to the family. Congrats! As you celebrate the arrival of your child and begin to take on all the challenges that come with being anew parent, remember this: It’s never too early to begin planning for the future.  \n Consider opening a 529 college savings plan. As soon as you have a social security number for your child, you can go online and take 10 minutes to open the account while the little peanut is sleeping. The sooner you open the account, the more time it will have to grow.  \nWhether working with a financial advisor or doing it on your own, decide how much you can set aside each month to invest in a 529. Make it easy on yourself and set up an auto-deposit each month. That can come from your personal checking account or, if your employer allows it, a payroll direct deposit. Those new arrival gifts in the form of money? Birthday and holiday cash from friends and family? Those are ideal for your child’s 529 account.  \n Begin to take notice of the toys and activities your child gravitates toward. Obviously, he or she is too young to decide if they want to be a NASCAR driver or an industrial engineer, but if they are really into their push car or building blocks, make a mental note.  \nChances are your child’s interests vary depending upon their mood and developmental stage. These tendencies may or may not be an insight into who they’ll become. And that’s not really important at this age. The key is to take an interest in what your young child is interested in and encourage them to reach new milestones in these areas, understand new words, and learn how things work. Encouraging them to learn will help prepare them as they grow and get closer to heading off to college.  \nWait. Don’t freak out. College is a long time away. With a 529 college savings plan in ","cbCaikv5pXYLTht6","https://ap.wps.com/l/cbCaikv5pXYLTht6","pdf",5124312,36,"English","# Introduction\n# Contributors\n# Infants & Toddlers\n## Savings Tracker","[{\"question\":\"What is the purpose of this year-by-year guide for parents?\",\"answer\":\"The guide offers ideas, not strict requirements, to help parents prepare children for the future through career guidance, college preparation, and basic financial literacy at every age.\"},{\"question\":\"When should parents consider opening a 529 college savings plan?\",\"answer\":\"As early as possible after a child has a Social Security number, since earlier contributions give the account more time to grow.\"},{\"question\":\"How can parents build financial understanding in daily life?\",\"answer\":\"The guide recommends age-appropriate interactions that support basic money understanding, including encouraging children’s interests and discussing relevant topics as part of everyday routines.\"}]","CSPN Roadmap - A Year-by-Year, Grade-by-Grade Guide | PDF",13]