Why Financial Literacy Needs to Start at Home
A recent article from The News Tribune paints a sobering picture: many families are still struggling to budget and save for major life milestones—like buying a home, funding college, or building a nest egg.
It’s a reminder that we need better tools, earlier habits, and more accessible systems to help families gain financial confidence. That’s exactly what UNest is here to do.
UNest empowers families to save with simplicity, flexibility, and purpose.
- No financial expertise requiredWe built UNest to be intuitive and transparent. You don’t need to be a financial advisor to start saving or investing for your child’s future. The app walks you through each step.
- Every contribution countsWhether you’re putting away $5 or $50, your efforts compound over time. You don’t need a big salary to build a big future—you need consistency.
- Designed for real-life budgetsThe News Tribune makes it clear: families want to save, but competing expenses make it difficult. UNest’s flexible options—including UNest Rewards—make building savings possible without overwhelming your monthly budget.
- A future beyond just collegeWhile a 529 plan focuses strictly on education, UNest’s UTMA account allows savings to support any future goal: college, starting a business, buying a car, or helping with a down payment.
As the article points out, financial literacy often begins at home. But it also depends on having tools that meet families where they are. That’s what makes UNest different—we’re not just a financial product, we’re a partner in your family’s journey.It’s time to make saving a habit—not a hardship. 📲 One simple step today can unlock your child’s future tomorrow. Start with UNest.Click here to Download UNest
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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