That’s mine. All of it. I own that one until I’m in the ground.
What I’d Tell Any Grandparent Who’s Sending Money
Three things. The third one is the one that actually matters.
One: if you’re sending money for a child, send it to the child’s costs, not to an adult’s account.
This is the boring one and it is the one that would have stopped all of it.
I now pay Emma’s things directly. The dentist bills me. The school bills me. There’s a 529 in her name with two trustees and I am not one of them by myself.
It is not an insult to pay a school directly. Any honest person on the other end of that arrangement will tell you it’s easier for them too. The only person who objects to it is the person who had another use in mind.