The deepest reason for this near-universal futility is that most of us remain imprisoned by the delusions of the ego, suffering from alternating cravings and revulsions.
At 18, accounts can convert to a Roth IRA, allowing tax-free growth and withdrawals for qualified uses like higher education or a first home.
—
Erik Sherman,
Forbes.com,
26 July 2026
Adults cannot make withdrawals on teens’ trust, in this case by asking them to share their life experiences and invest their energy and effort into cooperating with adults, if the adults have not built up their trust account.
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