Investing for Generations

Building Stability at Home

Families with a strong financial foundation often experience lower stress levels and greater stability. According to the American Psychological Associates (2023), money remains one of the top sources of stress for U.S. families, with nearly two-thirds of adults reporting it affects their daily life. When families invest consistently and build long-term wealth, they create cushion that reduces financial anxiety.

This sense of security doesn’t just benefit parents, it influences children as well. Research shows that children who grow up in households with less financial strain often enjoy better emotional well-being and academic outcomes (Yoshikawa, Aber, & Beardslee, 2012). In this way, investment is not only about dollars and cents—it’s about fostering a healthy, supportive environment where children can thrive.

Opening Doors to Education and Opportunity

Education is one of the most direct ways investments improve family life. The cost of college in the U.S. has tripled over the past 40 years, with the average annual cost of tuition, fees, and room and board at a public university reaching $23,250 in 2024 (College Board, 2024). For many families, savings alone can’t keep pace with this growth.

Investing through tax-advantaged accounts like 529 college savings plans allows parents to harness compounding growth, easing the burden of future tuition. A study by Sallie Mae (2022) revealed that families with dedicated education investments were 2 times more likely to fully cover college costs than those relying on savings alone. By planning ahead, parents not only relieve financial pressure but also ensure that children can pursue education without being weighed down by debt.

Investing also has a cultural effect within families. Parents who invest regularly tend to model positive financial behaviors for their children. A T. Rowe Price study (2023) found that kids whose parents involve them in financial discussions are more likely to develop strong money habits and confidence in managing money as adults.

Investment is more than a financial strategy, it is a family strategy. By easing stress, opening educational doors, and modeling financial responsibility, it helps protect not only their own future but also their children’s opportunities.

We believe, that every investment, no matter how small, is a step toward building a stronger foundation for families and the generations that follow. The best time to start is today, as the choices we make now can shape your children’s future.

References:

American Psychological Association. (2023). Stress in America 2023. https://www.apa.org/news/press/releases/stress/2023

College Board. (2024). Trends in college pricing and student aid 2024. https://research.collegeboard.org/trends

Sallie Mae. (2022). How America pays for college 2022. https://www.salliemae.com/research

T. Rowe Price. (2023). Parents, kids & money survey. https://www.troweprice.com/corporate/us/en/about/newsroom/press-releases/parents-kids-and-money-survey.html