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But tied to the excitement is a quiet, growing dread. Because the plan doesn’t lock the money into savings. It locks it into Wall Street. The value each child inherits will rise or fall with the market’s whims. A child born in a year of economic growth could turn eighteen with a solid sum waiting. A child born at the edge of a recession could end up with barely more than the original deposit — or even less once fees and market dips eat into the value. It doesn’t matter that the idea sounds modern or innovative. It’s still a bet, and the stakes are children’s futures.
