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Muhjigger11998823 t1_jaf1mqj wrote

Plan for the first option but if your kids grows up and idiot switch to the second.

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aftf_bg t1_jaf25qb wrote

Once they would be 21, they would have full control of it. The question is, how would I know that they would spend it in a smart way. We were all 21 once, and most of us were not that smart back then.

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