The one question everyone asks, but what if my kids don’t use all the money? Relax you've got options. You can move extra funds from one sibling’s account to another's or save the money for yourself or a future grandchild. But what if they don't need it all because they get a scholarship? 1. Congrats 2. You can withdraw for expenses the scholarship doesn't cover Lots of those. And if there's still money left in your 529? Guess what. You can roll over savings into a Roth IRA. keep exploring, We're here to help.