I have always been leery of Government Approved/Sponsored Tax Savings plans for Financial Investing. What can be given can be whisked away with the stroke of a Pen.
I used one of those savings plans for medical issues. The rules were that I had to spend it all by the end of the year or lose my money. It worked well until I quit my job. I didn’t know that I could not use it after the day I resigned or I would have went on a medical spending spree. I ended up losing over 500 dollars. I won’t touch them now.