I get the math, but the part I’d pressure test is the framing

I get the math, but the part I’d pressure test is the framing: optimizing a kid’s life around “retiring” at 59½ can accidentally anchor decisions toward preserving a tax wrapper instead of building agency and options earlier. One founder I advise did the whole “pay the kids” setup correctly, and the real win wasn’t the future balance, it was using that earned income to teach budgeting and to fund small, age-appropriate projects so the money had a purpose long before retirement.

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