Hot take: If you don’t set up a Trust or an investment for your Child, You're a Bad Father.

[cargo70]

20-25k at 1 yr becomes around 100k by the time they are 18.


This is something I’ve realized that I was going to do since I was 17.

 

[cargo70]

Shouldn’t have kids if you can’t spare 20k for your child's future

This can pay for college, easily a first car, overall living expenses, and count toward their investments.

 

[cargo70]

@Tesarossa @Stalker @Regret @iblamejordan1 @KronionTheGreat

 

[Tesarossa]

Truth, just found out my mom has a college fund for me and I feel relieved

 

[Regret]

I'll gift my child lifetime vip on his 13th bday

 

[cargo70]

@Seth Walsh @RJ_ascends

​

 

[miserycel]

step 1: find a woman to make a child with

 

[iblamejordan1]

I need to invest… alr bought silver but lost in value

 

[cargo70]

Truth, just found out my mom has a college fund for me and I feel relieved

Mogs, I’ll be getting a small portion of inheritance money shortly.

 

[cargo70]

Wish my father did this

 

[RJ_ascends]

20-25k at 1 yr becomes around 100k by the time they are 18.


This is something I’ve realized that I was going to do since I was 17.



View attachment 5555589

teach ur children investing
+8k% in 3 months not bad

 

[cargo70]

teach ur children investing
+8k% in 3 months not bad

Yeah, financial literacy & investing are a must. Wish my father tought my this.

 

[Regret]

Wish my father did this

My dad saved up for my hs and im using that money to bunk school and LDAR all day

 

[Seth Walsh]

@Seth Walsh @RJ_ascends

​

The real point is much deeper than “put €20k in a trust.”

A competent parent should be thinking in terms of intergenerational balance-sheet construction.

Your child is born with the single greatest compounding asset imaginable: time. If you have an 18-year runway and deliberately leave them with zero productive capital at the end of it, despite having the means to accumulate some, you have wasted an enormous structural advantage.

Labour income and capital ownership are not equivalent.

Someone entering adulthood with €100k of diversified productive assets is not merely “€100k richer” than someone with €0. They have:

• capital compounding independently of their labour;
• liquidity to absorb unemployment/illness/career risk;
• the ability to relocate or pursue higher-upside opportunities;
• reduced dependence on landlords, banks and employers;
• capacity to buy assets earlier;
• decades more compounding on every euro transferred early.

That creates path dependence.

Two identical 18-year-olds can have completely different lives because one begins adulthood with a balance sheet and the other begins adulthood having to manufacture one entirely from taxed wages while simultaneously paying rent and living expenses.

This is why the obsession with merely “providing a good childhood” is incomplete. A parent is temporarily the capital allocator for a family lineage. Your job is not just to consume resources on behalf of the child until age 18. It is to convert some proportion of your present productive capacity into durable future ownership for them.

I wouldn't literally say every father who fails to establish a legal trust is bad. A trust is just an implementation mechanism, and for modest sums it may be unnecessary.

But if you possess substantial surplus capital and deliberately transfer no ownership whatsoever to your children while spending heavily on lifestyle consumption, then yes, I think there is a legitimate moral criticism.

You had an 18-year compounding window that they could never recreate.

And €20–25k becoming €100k isn't guaranteed either — that requires roughly 8.5–10% nominal annual compounding over 17 years. The important principle isn't the exact terminal number.

The principle is:

transfer capital early enough that time does most of the work.

Then structure access intelligently so you're giving them ownership without destroying incentive.

The highest-functioning families don't merely transfer money.

They transfer capital + knowledge + networks + optionality + the ability to take risk without ruin.

That is how advantages become intergenerational rather than having every generation restart the game from zero.

 

[cargo70]

My dad saved up for my hs and im using that money to bunk school and LDAR all day

Mogs, Lay Down & Rest

 

[RJ_ascends]

Just curious, what's your YTD return

 

[cargo70]

Just curious, what's your YTD return

10%, average, because im average IQ.

12% this year, though.

 

[cargo70]

I really should have posted this in the Financial section huh

 

[Seth Walsh]

20-25k at 1 yr becomes around 100k by the time they are 18.


This is something I’ve realized that I was going to do since I was 17.



View attachment 5555589

Followed you and I follow barely anyone. You are seeing the light and touching the social class pill.

Check out my thread on fathers/capital allocation here: https://looksmax.org/threads/social...llocation-most-fail-catastrophically.2067069/

 

[RJ_ascends]

10%, average, because im average IQ.

12% this year, though.

yoo not bad

my ytd is 8,000% or something but that's cuz im day trading and not doing risk management

 

[cargo70]

yoo not bad

my ytd is 8,000% or something but that's cuz im day trading and not doing risk management

Holy shit, dude.

 

[cargo70]

Followed you and I follow barely anyone. You are seeing the light and touching the social class pill.

Check out my thread on fathers/capital allocation here: https://looksmax.org/threads/social...llocation-most-fail-catastrophically.2067069/

Thank you. I’ve followed your threads for a while, & will give this one a read

I'm also a part of your Discord; I appreciate it!

 

[RJ_ascends]

Holy shit, dude.

Ye but it's active trading so big gains should be expected