My #1 Tip to Make Your Kid a Millionaire

One of the most advantageous things that exists in the U.S. tax code is a Roth IRA for a minor.
— Hannah Cole

In this episode of the Sunlight Tax Podcast, I’m discussing the benefits of tax-advantaged savings for children, specifically focusing on a Roth IRA for kids. I explain how parents can open a custodial Roth IRA for their kids, the advantages of a Roth IRA, and the importance of teaching children about compound interest and financial literacy. 

This episode also emphasizes the long-term benefits of starting early with investments and how this can empower the next generation financially.


Also mentioned in today’s episode:

00:00 Introduction to Tax-Advantaged Savings for Kids

01:50 Understanding Roth IRAs for Minors

05:28 Investment Strategies for Kids' Roth IRAs

09:05 Teaching Kids About Compound Interest


I hope this 3-part series on investing for your kid(s) helps you understand your options. If you missed the first two, here they are:

1. Trump Accounts explainer (if your kid was born in 2025, 2026 or you’re planning for one in 2027 or 2028, please get the FREE $1000 you are entitled to)

2. 529 Plan vs Trump Accounts (you can use both).


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Links:

Roth vs Traditional IRA: Does it even matter?

How to fund your IRA: Pay yourself first

Check out my program, Money Bootcamp

Watch YouTube video version

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Savings for Kids: Trump Accounts vs. 529 Plans