Your mom has defintely a very clear eye when it comes to such things. I am kind of doing the same for my kids. I started to put every hbd that I'm earning from posts in the hbd savings account. Already about 2400 $ are there now and last month I got like 18$ interests from it. Of course it still needs to grow a bit but man if I can get a couple of hundred bucks every month in interests that will probably pay for transportations and food when my kids are studying :-).
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Compounding that interest!
2400 bucks will turn into 10k very soon!!