A 529 plan is one of the best financial tools that too few people are using. If you’ve heard of them, then you know they can help families save for children’s higher education. But did you know adults can use them too, that they can cover some K-12 expenses, study abroad, student loans, and support people with disabilities? These incredibly versatile accounts are, sadly, woefully underutilized. That’s in part because finding the best plan for your circumstances can be a pain.

In true entrepreneurial fashion, Yosh Miller set out to change this. His company Hadley wants to make 529s as ubiquitous as 401ks. But as you will hear, the bureaucracy and perverse incentives he has to navigate are astounding.

1:14 Lionel is a 529 plan geek.

3:09 529s might be one of the most powerful yet misunderstood too ...