No Non-Cents Blog

In December 2025, Michael and Susan Dell announced one of the largest philanthropic contributions ever made toward children’s financial futures: a $6.25 billion gift to fund $250 deposits into the investment accounts of up to 25 million U.S. children. This announcement comes alongside the federal “Trump Accounts” initiative, which provides a separate $1,000 seed deposit for newborns. Together, these two programs are designed to expand access to long-term investment accounts a

One of the most common questions I hear from parents is: How can we afford college?  With tuition costs rising faster than inflation, preparing for higher education has become one of the biggest financial challenges for families today. The good news is that with the right strategy, you can harness the power of tax-free growth through 529 plans—and the earlier and more aggressively you start, the more dramatic the results. What Is a 529 Plan? A 529 plan is a tax-advantaged sav

Money is one of the last real taboos in our culture. We talk about politics, relationships, and health far more openly than we do about...

College graduation: check. Landed your first real job: check. Making real money: check! Next step: start saving for retirement. You might...