✅ Custodial brokerage account: open it in your child’s name and invest for them. ✅ The account teaches about investing and capital gains tax. ✅ At age 18 (or state age), the child gains control. ✅ It can fund a home down payment, business start, or education. ✅ Custodial Roth IRA: open if the child has earned income. ✅ Contributions grow tax-free for decades. ✅ It turns summer job pay into long-term retirement savings. ✅ The IRS requires real work and documented earned income. ✅ 529 plan: save f
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