10 Qualified 529 Expenses

A 529 can be a game-changer for paying for education, but only if you use it the right way.

In this episode, Regina breaks down 10 expenses that typically qualify for tax-free 529 withdrawals, so you can avoid surprise taxes and penalties when the college bills start hitting. She covers the obvious stuff like tuition, but also the categories that trip people up most, like room and board for off-campus living, groceries, academic fees, and technology. Regina also gets into newer, often-missed uses for 529 funds, including trade programs, K–12 tuition, student loan repayment, and the rules around rolling leftover 529 money into a Roth IRA.

If you’ve ever wondered what a 529 really covers, this is your clean, practical guide to spending it confidently.