Overfunded 529? Roll up to $35K into beneficiary's Roth IRA.
SECURE 2.0 (2024+) permits rollovers from a 529 account (15+ years old) to the beneficiary's Roth IRA — up to $35K lifetime, subject to annual Roth contribution limits. Turns 'stuck' 529 balances (overfunded, scholarship recipients) into tax-free retirement savings for adult children.
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Shelter $69K/yr and borrow up to $50K from yourself.
Invest retirement funds in real estate, private equity, notes.
Use 401(k)/IRA to fund a business — no tax, no loan.
Shelter $100K–$300K+/yr for high-earning owner-only businesses.
Get $46K+/yr into Roth despite income limits.
Pre-tax in, tax-free growth, tax-free out — the only triple-tax account.
Borrow up to $50k against your own retirement — pay yourself interest.
Triple tax-free vehicle — the best account in the code.