December 23, 2025 · Season 2 · Episode 21
Save Smart: Turning Gifts into College Goals
By Kristin Ageton & Gage
Birthday money, holiday cash, part-time paychecks... it all adds up! đź’¸ Gage sits down with Kristin Ageton, Director of College Access, to break down simple ways students and families can start saving early, smart options like 529 plans, budgeting basics, and the real costs people forget to plan for when it comes to college.
A birthday card with cash. Holiday money from relatives. A paycheck from a part-time job. These small amounts may not feel significant, but when used intentionally, they can help students take meaningful steps toward paying for college.
That’s the message Kristin Ageton, EducationQuest director of college access, shared on a recent episode of the Countdown2College podcast. Saving for college doesn’t require a high income or a perfect plan; it starts with small, consistent choices.
Why Small Savings Matter
One of the biggest myths about college savings is that families need to put away large amounts for it to be worthwhile. In reality, saving early and consistently matters far more than the size of each deposit.
Even small contributions can add up over time. More importantly, having some savings, regardless of the amount, can help ease stress and provide students with more flexibility when college expenses begin to arise.
Turn Gift Money into a Habit
Cash gifts are often spent quickly, but they’re a great opportunity to start saving. There’s no rule for how much of a gift should go toward college, but setting aside even a portion helps students build a habit of planning.
Many families end up paying some college costs out of pocket, even after scholarships and financial aid. Saving gift money now can reduce the amount students need to borrow later.
Save for College with a 529 Plan
Families can save for college in several ways, including traditional savings accounts and high-yield savings accounts. One option designed explicitly for education expenses is the 529 College Savings Plan.
A 529 plan enables families to save and invest money for college expenses, including tuition, books, and housing. In Nebraska, there’s no minimum deposit required, making it easy to contribute gift money or part-time earnings. Automatic monthly deposits can make saving a consistent and straightforward process. Families may also qualify for state tax benefits.
Other Ways to Build College Savings
Saving gift money is a great start, but it’s not the only way students can contribute to their financial future. Part-time jobs can help students earn money for college while also developing responsibility, time-management skills, and a strong resume.
It’s also important to keep scholarships in mind. Many opportunities are available not only to high school seniors, but also to students already in college. Staying focused and engaged can open the door to additional funding.
Start Where You Are
It’s never too late to start saving. Whether a student is years away from college or just months from enrolling, being intentional—even in small ways—can make a difference.
Turning today’s gifts into tomorrow’s college goals isn’t about doing everything at once. It’s about starting small, staying consistent, and believing that every dollar counts.