Anonymous
Post 01/19/2026 12:21     Subject: Re:Helping kid invest $
Anonymous wrote:
Anonymous wrote:
Anonymous wrote:Our 21yo DS has been contributing earned income to his Roth IRA since 2020 and now has $442K saved in it. DH set it up for him when he was 17yo and was only making a few thousand per year to contribute. They meet once per month to review current and future investment options, establish buy/sell orders, and perform forecast projections.

DS will be going to Harvard Law in the fall and now has access to ample funds to cover the living and tuition costs with ease.


You're saying that your son has $442K after investing the Roth max for just 4 years? Come on, now.


Definitely. Need to know what you’re doing, of course, which is where the monthly sessions between DH and DS have been so helpful. So far, the best return has been on Planet Labs (PL) stock. DH works in the space and defense industry and realized it was a steal at $2 per share in 2024 and convinced our DS to buy 5,000 shares in his Roth. Now worth $142K. He also bought 300 shares of PLTR in 2022 that are now worth $51K. The rest has been a lot of buying and selling of highly volatile stocks. DS is looking to hit the $1M mark by the time he finishes law school.


Shut up already.
Anonymous
Post 01/19/2026 11:54     Subject: Helping kid invest $
Fidelity has a great "Youth Account" option that lets kids buy fractional shares of stocks and mutual funds etc. As the parent you can monitor their trades (and transfer money into their account). We used this with our teenagers and they had fun learning about investments etc.
Anonymous
Post 01/17/2026 08:54     Subject: Helping kid invest $
Anonymous wrote:VTI 50% + VXUS 50%. Set and forget.


Correction:

Set and forget and then later regret.

You’re like a leaf floating with the current when you could be driving a motorboat.
Anonymous
Post 01/17/2026 08:51     Subject: Re:Helping kid invest $
Anonymous wrote:
Anonymous wrote:Our 21yo DS has been contributing earned income to his Roth IRA since 2020 and now has $442K saved in it. DH set it up for him when he was 17yo and was only making a few thousand per year to contribute. They meet once per month to review current and future investment options, establish buy/sell orders, and perform forecast projections.

DS will be going to Harvard Law in the fall and now has access to ample funds to cover the living and tuition costs with ease.


You're saying that your son has $442K after investing the Roth max for just 4 years? Come on, now.


Definitely. Need to know what you’re doing, of course, which is where the monthly sessions between DH and DS have been so helpful. So far, the best return has been on Planet Labs (PL) stock. DH works in the space and defense industry and realized it was a steal at $2 per share in 2024 and convinced our DS to buy 5,000 shares in his Roth. Now worth $142K. He also bought 300 shares of PLTR in 2022 that are now worth $51K. The rest has been a lot of buying and selling of highly volatile stocks. DS is looking to hit the $1M mark by the time he finishes law school.
Anonymous
Post 01/17/2026 02:14     Subject: Re:Helping kid invest $
Anonymous wrote:
Anonymous wrote:Our 21yo DS has been contributing earned income to his Roth IRA since 2020 and now has $442K saved in it. DH set it up for him when he was 17yo and was only making a few thousand per year to contribute. They meet once per month to review current and future investment options, establish buy/sell orders, and perform forecast projections.

DS will be going to Harvard Law in the fall and now has access to ample funds to cover the living and tuition costs with ease.


You're saying that your son has $442K after investing the Roth max for just 4 years? Come on, now.


Sounds like a whopper.
Anonymous
Post 01/17/2026 02:14     Subject: Helping kid invest $
How can you have Roth IRAs for kids with no jobs?

Aren't those supposed to be for taxable income only, not gifts?
Anonymous
Post 01/16/2026 23:43     Subject: Re:Helping kid invest $
Anonymous wrote:Our 21yo DS has been contributing earned income to his Roth IRA since 2020 and now has $442K saved in it. DH set it up for him when he was 17yo and was only making a few thousand per year to contribute. They meet once per month to review current and future investment options, establish buy/sell orders, and perform forecast projections.

DS will be going to Harvard Law in the fall and now has access to ample funds to cover the living and tuition costs with ease.


You're saying that your son has $442K after investing the Roth max for just 4 years? Come on, now.
Anonymous
Post 01/16/2026 23:05     Subject: Re:Helping kid invest $
Our 21yo DS has been contributing earned income to his Roth IRA since 2020 and now has $442K saved in it. DH set it up for him when he was 17yo and was only making a few thousand per year to contribute. They meet once per month to review current and future investment options, establish buy/sell orders, and perform forecast projections.

DS will be going to Harvard Law in the fall and now has access to ample funds to cover the living and tuition costs with ease.
Anonymous
Post 01/16/2026 22:24     Subject: Helping kid invest $
Anonymous wrote:VTI 50% + VXUS 50%. Set and forget.


Yawn….going with the flow. Diversification is for people who don’t know what they’re doing.