Along The Rock

Cash & Coffee | Smart Ways to Save for Your Child’s College | 529 vs ESA


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In this episode of Cash and Coffee, hosts Kaitlyn Blum and Kayla Tenboer-Sipes talk about smart ways to save for a child’s or loved one’s college education. From Education Savings Accounts (ESAs) to 529 Plans, they break down what each option offers, who qualifies, and how to get started.

Kayla shares practical advice on why it’s important to focus on your own financial foundation first, including building an emergency fund and investing in your retirement before setting up an education fund. The episode also covers the flexibility of these plans, which can be used not only for college but also for trade schools, community colleges, and even K–12 tuition.

Grab your coffee and join Kaitlyn and Kayla as they make financial planning easy to understand and achievable for everyone.

Topics Covered:

  • Education Savings Accounts (ESAs) vs. 529 Plans

  • Tax advantages of education savings

  • How and when to start saving for education

  • Using funds for trade schools, community colleges, and more

  • Why retirement should come before college savings


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🎤 Timestamps & Highlights:


00:25 – Introducing Cassie Wells & Helping Hands Food Pantry

00:46 – Mission: Serving with dignity & sharing God’s love

01:13 – Growth in community need: doubling guests in months

01:32 – How the pantry works: self-shop model

02:34 – Reducing waste & donating leftovers

03:13 – Providing dignity through choice & snacks for kids

03:59 – Challenges: meat supply & paper products

05:08 – How the community can support Helping Hands

05:27 – Location & pantry details

05:48 – Upcoming rib dinner fundraiser

06:47 – Other ways to donate & support

07:20 – Understanding food insecurity

08:04 – Fun question: Pantry items on a deserted island

08:40 – Urgent needs

09:23 – New projects

10:10 – Future fundraisers


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Along The RockBy The Radar Free Press