Elizabeth Ayoola

But it was cute.

I think I still have it somewhere.

It's like, here's your beginning.

Yeah.

This is precious.

Zero pounds inside, but hey, sentimental nonetheless.

So to your point, Ayo will be starting with way more than I had, and it will support his education somehow.

Someone said, I would just leave the 70K and stop contributing, then contribute the remainder into a brokerage.

You never know where if they'll go to college.

And while there are more ways to get the money now than before, it would suck to pull out hundreds of thousands of dollars with a penalty, to your point.

But you loved it.

Yeah.

So I do like the idea of this commenter saying that you can put the rest into a brokerage account because that gives you flexibility.

And while 529 accounts do have triple tax benefits, sometimes that's not the only way to save for college.

You could put it in a brokerage account and you could still get that money growing and you can take it out

Yeah, you want to find that balance of being able to fund what you want in the future while still being flexible no matter what the outcome is.

Yeah, that's right.

It is important.

I think I try to focus a lot on how I raise Ayo as a person, trying to raise him to be a hardworking person, someone who knows how to manage money.

He listens to the podcast and he's eight.