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Hi esxokm,

I guess I should have said first contribution to a Roth.

She opened her first brokerage account a year ago before she went off to college. She had pretty much saved all her gift money, babysitting money, cat sitting money that she had ever received, and so the account was all hers.

She also has a UGTM account (aka college money) that will become hers when she is 25.

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