The 529 Mirage: Banking Records Reveal Why American Parents Stop Saving for College Before the Decade Is Out
American parents rank college funding among their top financial priorities in survey after survey, yet banking records and contribution data from education savings accounts tell a profoundly different story about what actually happens to those intentions over time. Systematic analysis of 529 plan activity, household income data, and life event records exposes the predictable triggers that cause parents to abandon education savings commitments — often before their children reach elementary school