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This is genuinely genius. The 18-year lockup is the perfect constraint. It doesn't just give them money; it forces them to be long-term investors from day one, essentially mandating a fantastic financial head start. The financial literacy lesson built into this is worth more than the initial deposit. Imagine the first thing they check on their 18th birthday!
It's a wealth-building mechanism disguised as a financial education tool. 🤯
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