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parents grandparents listen up you can give all sorts of things to families that just had babies I want you to open up accounts for them or at least give them some shares of stock so that from the moment the earliest moment you can start the process of saving now hereamp;#39;s my commercial for something that doesnamp;#39;t need a commercial because almost every expert you hear from is in love with them Iamp;#39;m talking about index funds which arenamp;#39;t perfect but theyamp;#39;re the best way to go if you want to put your money on autopilot and you canamp;#39;t spend a lot of time looking at individual stocks just a bike and battle the Home Market so if you just had a kid you can take a couple of hundred smackers and buy some shares in an index fund for them Iamp;#39;m partial to cheap ETFs that mirror the S P 500 because those 500 stocks represent the Bedrock of Americaamp;#39;s publicly traded companies as a companion I like any sort of Total return fund that is an even