I was just reflecting because my 17 yr old has about 10 days until he’s 18. It went fast. The correct allocation I think is whatever keeps you from waking up at 45 realizing you optimized for the wrong stack. I’d rather have a kid who knows I showed up with 0.1 BTC to leave them than one who inherits 10 BTC but needed therapy to process my absence.

Financial capital without relational capital just funds someone else’s future. The sats compound automatically; your kid’s formative years don’t.