The Resurgence of Skilled Trades: Saving Early for Every Dream
Skilled trades are making a comeback—and families are taking note. According to The Wall Street Journal, more high school students are exploring careers as electricians, plumbers, HVAC technicians, welders, and IT support specialists. These roles not only offer job security and competitive pay, but also present real, tangible pathways to financial independence without the burden of a traditional four-year college degree.
At UNest, we recognize that the future isn’t one-size-fits-all. That’s why our UTMA investment accounts are designed to support your child’s vision, no matter what path they choose. Whether they pursue higher education, enroll in trade school, or want to start their own business, a UNest account helps families save flexibly and intentionally.
For years, the cultural narrative pushed a college degree as the only route to success. But as student debt rises and employers across the country struggle to fill skilled labor positions, the tide is shifting. The skilled trades offer meaningful, respected work and a clear return on investment—with significantly less student loan debt and earlier entry into the workforce.
By investing early with UNest, you give your child options—and options are power. Starting now, even with small contributions, can grow into a fund that supports tuition at a specialized training center, equipment for a new business, or relocation for an apprenticeship. You’re not just building savings; you’re building a launchpad.
In addition to its flexibility, UNest’s tax-advantaged accounts make it easy to set and automate your goals. You can also invite grandparents and extended family to contribute— turning birthdays and holidays into moments that matter for the future.
As the world evolves, so do the definitions of success. A child’s dream might not include lecture halls or student unions, but rather tool belts, laptops, and trade certifications. UNest supports those dreams without judgment—only with encouragement, investment, and love.
👉 Ready to take the next step? Download the UNest app and start 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
CNBC Host
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