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[quote=Anonymous] It is a 529 account. Another thought would be if a relative wanted or needed to do something, that you would match half the cost AND be the direct purchaser of the item or the service for the individual. In this way, you would be forcing and yet hopefully teaching having a goal and saving or working towards it with the reward of effort attainable. But if patterns are repeated, you are unlikely to reverse them. If you ever earmark funds in a will, it would be best through a trust for very specific things or if for younger neices and nephews at a later stage in life - mid-30s when they may be established or value it as opposed to 21.[/quote]
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