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@daviddale3 Yeah, people try to make things too complicated. Wait till they are 16-18 and do something joint if you want. They should really need their credit for 6-8 years outside of student loans and that is plenty of time to build the history to 750+ No need to over complicate and make your...

@daviddale3 A lot of it is behavioral and a push in the right direction can also do wonders. When compared to your initial/recurring investments things move very slow at first but then seemingly take off. Compounding interest takes time to activate

@mark45 You are right, we are at a point where anyone can do it themselves. Also, people tend to surround themselves with likeminded individuals. Your questions sounds like these both apply to you. But this isn’t true for everyone. Financial Advisors/Wealth Managers are there for the people...