Money & Big Decisions · College fund plan
The twins' college fund: 529s, scenarios, and a 2 a.m. page
The finished work
Twin girls, eight years old, ten years to two tuitions, and a father who's done nothing about it except worry.
What they asked for, word for word
Twin girls, eight years old — ten years to two tuitions and I've done nothing, which keeps me up more than I admit. About $140K household, $800 a month committable. I want the honest architecture: 529s, the scholarship scenario, what in-state versus private actually costs in 2036, a plan that survives a bad market year without me panicking. And make it the family's document, not a spreadsheet: something with the girls' initials on it that lives on my desk and gets pulled out at every birthday, that both grandmothers — who keep asking how to help — get their own beautiful page of. Make saving feel like something our family does, not something I fail at.
What the studio made
The family's document with the girls' initials on the cover: the honest architecture of 529s, what in-state versus private costs in 2036, a two-crash page written for 2 a.m., and a beautiful page for each grandmother who keeps asking how to help. The full model is the source of truth, and a private five-lever simulator takes the real numbers without sending them anywhere.
Build your own
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