From Classrooms to Living Rooms: Make Financial Literacy a Family Legacy
👏 Utah leads the nation in high school financial education , and the rest of the country should take note. But it’s not just about what students learn in school—it's about what they see at home.
At UNest, we bring financial literacy to life by giving families real tools to save, invest, and plan. Every time a parent opens a UTMA account or sets a goal in our app, they model healthy money habits. That’s education by example.
Financial literacy starts with vocabulary but is rooted in behavior. When your child watches you budget, invest, or explain compound growth, those lessons stick. That’s how you raise confident, financially literate adults.
Utah might be ranked #1 for teaching teens about money—but your home can be the best classroom of all.
Ready to get started? Download the UNest App today!
Don't just take our word for it
Hear what trusted money experts say about why UTMA and UGMA accounts can be a smart way to invest for a child’s future.
There are some tax advantages to using UGMA and UTMA accounts… Since they’re in your child’s name, the accounts will be taxed according to their tax bracket… There are no contribution limits on UGMA and UTMA accounts.
Dave Ramsey
Personal Finance Expert
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Investing for your kid’s future
Dave Ramsey
Personal Finance Expert
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...you could consider opening an account where you can dive deeper with the kids by your side. The easiest way to do so is to open a custodial account, known as an UGMA ... or UTMA ... account.
Jill Schlesinger
Emmy winning Business Analyst
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Straightforward “starter” investing account for kids
JILL SCHLESINGER
Emmy winning Business Analyst
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You can give children money that can accumulate somewhat tax-free over time... I love them (UTMAs) because they were like, trusts that you didn't need lawyers to create.... I think it's one of the better tax breaks around though. I know hunting for tax breaks may not sound very exciting, but that's how you take care of your family.
Jim Cramer
CNBC Host
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Give children money that can accumulate over time
Jim Cramer
CNBCÂ Host
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