My Dear, Daddy and Mommy have bought you an insurance plan so that when you reach the age to go university, we don’t have to use our retirement funds for your education. But that said, we want you to learn that not all things will come served to you all nice and pretty. So, we won’t tell you about this sum of money until we really see the need to. We hope that you will learn to earn your own money. Also, we hope you’ll learn life lessons like how we did in our 20s.