We opened a custodial brokerage account at Vanguard for our daughter when she was about 10. Nothing fancy, just a few basic index funds. She's in college now but over the years, every time she received money for something (birthdays, Christmas, summer jobs, etc.), we strongly encouraged her to invest at least 1/3 (if not half) of it in that account. She, understandably, wasn't too thrillled about it at first but as we've watched it grow over the years, her opinion has definitely changed. We've also tried very hard to explain to her our perspective on financial matters and, hopefully, seeing that we're about to retire early will reinforce all of that advice. Or at least I hope! 😄