The Money School

Nicole Opened These 3 Accounts for Her 1-Year-Old. Here's Why.

Today, Nicole unpacks the exact accounts she opened for her daughter, the math that makes starting early almost unfair, and the money script she's determined to rewrite for the next generation. Whether you have a newborn, a teenager, or you're realizing you wish someone had done this for you, this episode is a blueprint. Nicole breaks down how a 529 plan is far more flexible than most parents realize, why a custodial brokerage account is less about returns and more about teaching kids that money grows quietly in the background, and why a retirement account for a one-year-old is not as insane as it sounds — it's one of the most powerful financial moves a parent can make.  Check out Nicole's financial literacy course⁠ The Money School⁠ [https://themoneyschool.com/] Find a⁠ Financial Advisor or Financial Coach⁠ [https://privatewealthcollective.com/] from Nicole's company Private Wealth Collective Watch video clips from the pod on⁠ Money Rehab's Instagram⁠ [https://www.instagram.com/moneyrehab/?hl=en] and⁠ Nicole Lapin's Instagram⁠ [https://www.instagram.com/nicolelapin/?hl=en] Here's what Nicole covers today: 00:00 Are You Ready for Some Money Rehab? 01:13 529 Plans: More Flexible Than You Think 02:02 The Math on Starting Early vs. Waiting 02:51 Super Funding: The IRS Loophole Most Parents Miss 03:31 Lump Sum vs. Monthly: The Numbers That Will Shock You 04:00 How to Shop for the Best 529 Plan 04:17 Custodial Brokerage Accounts Explained 05:00 The Financial Aid Trade-Off 05:41 Why Nicole Really Opened This Account for Her Daughter 05:56 The Custodial Roth IRA (Yes, for a 1-Year-Old) 07:00 The Number That Changes Everything 08:00 Roth IRAs and Financial Aid: The Cleaner Vehicle 08:21 Rewriting the Money Script 09:00 Tip You Can Take Straight to the Bank All investing involves risk, including loss of principal. This episode is for informational purposes only and does not constitute financial, investment, or legal advice. Always consult a licensed professional before making financial decisions.

The One Factor Making Real Estate More Expensive— and What To Do About It

Interest rates and home prices are high— that's old news. But there's a new factor that's making real estate more expensive... and there's nothing the Fed can do to stop it. Today, Nicole explains the new variable driving up the cost of homeownership, and what you can do to make it more affordable.

Four Inflation-Proof Investments

There's a chance that inflation may rise at the top of next year. To prep, Nicole shares four inflation-proof investments to help your portfolio.

What To Financially Expect When You're Expecting

Today, Nicole gives six ways you can financially prepare for a baby... plus, a personal update. For the federal financial resources for new parents, click ⁠HERE⁠ [https://www.hhs.gov/healthcare/maternal-health/newborn-supply-kit/support-for-family/index.html].

You May Have Missing Money... Here's How to Find It!

This week, Money Rehab is hosted by the Executive Producer of the show, Morgan Lavoie. Today, you'll hear the first episode she was ever featured on: Nicole's guide to finding your missing money. Did you know that there are BILLIONS of dollars in unclaimed money in the US? Want to find yours? In this episode, Nicole shows you how!