Free checklist download · For Dads figuring it out
18 shows up faster than you think. This is how they arrive with a head start instead of a starting line.
That is the cost of waiting 1 more year. $200 a month started at 2 grows to $70,454 by 18. That could be $7k less if you put it off another year.

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What’s in it
Set up in the right order, they run on their own until the day they need them.
This is where the $7,061 comes from. Set it up once and it works for your kid for 13 straight years, whether you ever think about it again or not.
College is 1 future, not the only one. This keeps money useful for a kid who starts a business, buys tools, or moves cities at 19. It carries 1 tradeoff almost nobody says out loud, and the checklist does.
Maybe 1 dad in 100 sets this one up in time, which is exactly why it made the list. There is a strict condition on it, and getting the condition wrong creates real problems. We are blunt about where the line is.
Orthodontics, a travel team, a school trip. Predictable in category, brutal in timing. This keeps a surprise $3,000 bill from eating the cushion that exists for a lost job.
You did the first version of this before the hospital. Your life has changed shape since, and the protection you set up was sized for facts you are no longer living in.
This is not a “you’re behind” list. Nobody’s behind here. Year 1 was survival. This is what comes next, and it is the same 5 things whether you start today or started 2 years ago.
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1 read and you will know exactly what to set up, in what order, and what to ignore.
No more open tabs, no more forum threads, no more “I should really look into that.”

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