My nephew turns 3 soon and has sooo many “things”. Rather than a traditional gift I’d like to set up an account to start building a future fund for him. I don’t have a lot to contribute, maybe a couple hundred dollars a year, but that’s better than nothing, right? I’m leaning away from a 529 because I don’t want him to feel pressured to go to college and Fidelity says they “may be eligible to move the money to a Roth IRA” if they don’t go to school. “Maybe” doesn’t convince me that he won’t get
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