You will always have a better plan than the bankers when it's concerning your kids. You have your best interest in mind for them, as the bankers have their own best interests in mind. We must definitely teach our kids the value of money, investments, long term and short term, risk and reward, and setting aside money in diversified forms in various accounts. You are already doing a great job @papa-pepper, much prosperity, stability and success for your family. Upvoted