I have been trying to fund Roth IRAs for the benefit of my two children, hoping to create a supplemental retirement income source for them.I've matching my kids' Roth contributions since they each started working. But I've also spent a lot of time helping them learn about personal finance through the years. My youngest who is 23 is the executor of the estates after my spouse and me. If they are going to get a bunch of money, I'd rather have them know how to handle it rather than dribble it out to them. I suspect if the 3 of them got it right now, they might go together to buy a business and I'm fine with that.That youngest kid ? He got the maximum match on his Roth since he started working at 16.