Stacey Vanek-Smith

When employers are seeing that level of increase, I would expect employees will be asked to pay some of that increase.

It really does function a little bit like a retirement account where you can make tax-free contributions.

The child's family, even an employer, can make contributions into these accounts.

And then once the child turns 18, they can start withdrawing these accounts for things like a down payment on a house or education, things like that.