更多美国家庭正在赠送529个儿童教育和未来的可支配账户,取代传统玩具。 More U.S. families are gifting 529 and ABLE accounts for children’s education and future, replacing traditional toys.

更多美国家庭选择529个教育储蓄账户捐款, 而不是传统玩具, More U.S. families are opting for 529 education savings account contributions over traditional toys, driven by a desire to support children’s long-term financial independence. 这些税收优惠账户可用于从幼儿园到大学的教育费用,现在很容易通过数字礼品代码获得资金,使捐款在婴儿淋浴、生日和节假日变得简单易行和受欢迎。 These tax-advantaged accounts, usable for education expenses from kindergarten through college, are now easily funded via digital gift codes, making contributions simple and popular at baby showers, birthdays, and holidays. 许多州提供税收奖励,这一趋势尤其为年轻父母所接受。 Many states offer tax incentives, and the trend is especially embraced by younger parents. 对残疾人而言, " 可支配账户 " 也提供类似的福利,从2026年1月1日起,其资格扩大到46岁以下残疾者,可能使合格人数翻一番。 For individuals with disabilities, ABLE accounts provide similar benefits, with eligibility expanding to those with disability onset up to age 46 starting January 1, 2026, potentially doubling the number of qualifying individuals. 这两种账户都越来越被视为深思熟虑、实用的礼品,具有持久价值,不会引起犯罪。 Both account types are increasingly seen as thoughtful, practical gifts that offer lasting value without causing offense.