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

I set up a UGMA account for a friend of mine when she was a few months old, but I was the custodian (not her parents) because I was the only person putting money into it. Now in New Jersey, I would have been required to turn the whole thing over to her when she became 21. At my discretion, I could have money withdrawn at any time for her benefit. And when she got old enough to go to college, I took money out for tuition, books, dorm rent, etc. Since these expenses went up faster than I could contribute, even though I more than doubled the investment, there was only enough for a little more than two years of college. But she is the first person in that extended family to ever go to college. She has now graduated, and has a job teaching second grade in the same school that she went to when she was in second grade.

It is my understanding that UGMA accounts must be turned over to the beneficiary when they become either 18 or 21, depending on the state. 25 seems a bit old. But I have by no means kept up with accounts like this, and certainly not in other states than the one I live in.
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