A grandmother shares her unconventional approach to supporting her grandchildren: skipping the traditional gift-giving route and channeling that money into investments for their future instead. Her reasoning? Other family members—parents, aunts, uncles—already handle the gift side of things. Why duplicate efforts?

Instead, she locks in that capital and lets compound growth do the heavy lifting over time. Sure, the kids might roll their eyes at the holiday table when there's no wrapped box with their name on it. But here's the thing—in twenty years, that disciplined investing mindset could pay dividends they'd actually appreciate.

It's a clash between immediate gratification and deferred wealth building. The strategy forces a tough question: what actually moves the needle for the next generation? A toy that gets forgotten in a month, or a portfolio that compounds quietly in the background?