41:I[185,["/_next/static/chunks/3xnt26d00_zk-.js","/_next/static/chunks/2aeejfufo02km.js","/_next/static/chunks/42spz6paskvb6.js","/_next/static/chunks/06x30xgfe6iur.js","/_next/static/chunks/2qm8z4gyuajgj.js","/_next/static/chunks/3jnlvw-emqotx.js"],"SendEmailButton"] 47:I[45269,["/_next/static/chunks/3xnt26d00_zk-.js","/_next/static/chunks/2aeejfufo02km.js","/_next/static/chunks/42spz6paskvb6.js","/_next/static/chunks/06x30xgfe6iur.js","/_next/static/chunks/2qm8z4gyuajgj.js","/_next/static/chunks/3jnlvw-emqotx.js"],"SignupCTA"] 3a:["$","h1",null,{"className":"max-w-[22ch] font-display text-[clamp(32px,4.5vw,48px)] font-medium leading-[1.05] tracking-[-0.02em] text-[color:var(--fg-1)] text-balance","children":"#177 Should You Skip a 529 Without a State Tax Break?"}] 3b:["$","div",null,{"className":"flex flex-wrap items-center gap-x-4 gap-y-1 font-mono text-[12px] uppercase tracking-[0.1em] text-[color:var(--fg-3)]","children":[["$","time",null,{"dateTime":"2026-07-22T09:00:00.000Z","children":"July 22, 2026"}],["$","span",null,{"aria-hidden":true,"children":"·"}],["$","span",null,{"children":"00:18:38"}],false]}] 42:T4ad,

When planning for your children's future education, a lack of an upfront state income tax deduction can make saving feel like a raw deal. Nate Reineke breaks down a question from a Florida surgeon tempted to skip 529 plan contributions entirely because the state lacks a state income tax break. We discuss why focusing solely on short-term deductions can miss the benefit of long-term tax-free compounding growth.

We also answer your colleagues’ questions.

A double-doctor family in Kansas says, “We did our Backdoor Roth conversions this year, but I am not sure TurboTax coded it right when we filed. How can I tell?”

An anesthesiologist in Oregon asks, “I am applying for disability insurance but there is a lot of paperwork, and I am unsure about how to do this the right way. What should I do?”

Are you ready to turn worries about taxes and investing into a plan for college and retirement? If you’re evaluating your options and want to learn more, visit physicianfamily.com and click 'Get Started' or you can ask a question of your own by emailing podcast@physicianfamily.com.

See marketing disclosures at physicianfamily.com/disclosures

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