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Once she has graduated, we will stop covering her Roth contribution. Getting a head start on the retirement savings is a good thing.

Graduation is our cut off date for contributions as well. In the meantime, actually seeing your account grow gives so much more incentive to continue it on your own when the parents back out. Being told about compounding is one thing, but having a concrete example in your own name is IMO a more solid lesson. In theory, anyway. We shall see how our strategy plays out in a few years.

IP,
giving the kids their inheritance up front with a college education and about 6 years of Roth funding, but planning to spend just about everything else
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