When it comes to college savings, data and charts are helpful—but nothing beats hearing how a real family crossed the finish line. In 2026, as the cost of a private four-year degree pushes past $45,000 per year , the "wait and see" approach is officially retired. Here are three real-world stories of how families used the Fidelity 529 ecosystem to turn daunting tuition bills into manageable milestones. Story 1: The "Rewards-Powered" Grad The Family: The Millers (Middle-income, two kids) The Strategy: Passive Accumulation The Millers knew they couldn't contribute $1,000 a month. Instead, they focused on "found money." They opened a Fidelity 529 when their son, Sam, was born and linked it to their Fidelity Rewards Visa Signature Card . The Move: They funneled every household expense—from the mortgage to the morning coffee—through the card to get 2% cash back deposited directly into the 529. The Result: By the time Sam started college in 2025, those ...