Helping Kids Navigate an AI-Driven Future Starts Now
Artificial intelligence is changing how students learn - and how parents think about the future. According to AI for Education, AI tools are becoming more common in schools, with platforms that can personalize learning, automate grading, and even help students brainstorm writing assignments. But these tools also raise important questions about privacy, equity, and the role of human interaction in education.
As a parent, you may wonder what all this means for your child’s future. If traditional classrooms evolve, will college still be the goal? Will technical certifications or portfolio-based careers become more common? How can families prepare for what’s ahead when the landscape is shifting so quickly?
At UNest, we believe flexibility is key. That’s why we advocate for early, consistent saving in UTMA custodial accounts - investment accounts for kids that are not limited to education expenses. Whether your child eventually attends a university, enrolls in a coding bootcamp, or starts their own business, a UTMA can help support that path.
The world is changing fast. But one thing hasn’t changed: kids thrive when parents plan ahead. Saving even a small amount each month - $25, for example - can create meaningful opportunities over time.
We can’t predict exactly what the future will look like. But we can prepare for it.
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
CNBC Host
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