A quarter in the piggy bank has grown into a maze of UTMAs, 529s, custodial Roth IRAs, and the new child investment accounts. Tom and Don sort the options by what the money is actually for—and who keeps control.
The 529 emerges as the flexible favorite, especially with its education uses and limited Roth rollover. Then the conversation turns to concentrated factor ETFs, the familiar Bitcoin argument, and whether private markets are really swallowing public investing.
The through-line is refreshingly simple: match the account to the goal, favor broad diversification, and resist stories that make investing sound more complicated than it needs to be.
00:00 Pshaw, Wordle, and the kid-money maze 03:00 UTMAs and UGMAs: control has an expiration date 05:34 Why 529 plans remain the flexible favorite 09:01 Custodial Roth IRAs and an enormous head start 11:15 New child accounts versus the 529 16:02 MOAT and COWZ: clever ticker, concentrated portfolio 20:48 Bitcoin, volatility, and the meaning of value 26:51 Public markets versus the private-market story
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