[quote=carlsbadworker]4) Once they start earning money from the outside world, 80% of their money will need to go to Roth. I can cover their little expenses and co-pay for their bigger expenses up to a limit (kind of like insurance company to them, without insurance premium, again details not hashing out yet). Of course, they will have expenses that they don’t want me to know about (not “insurance” claimable) which they can use their 20%.[/quote]I totally agree with this and this was exactly what my parents did for me and is how I intend to transfer my $ to my kids when that time comes.