Clark, I hope your 20 year old son listens to you, because I did. and my kids are millionaires in their 30’s. My kids started working inside the home at age 3 and 6. They started working outside the home at age 9 (son: handyman,daughter extra in TV). I made a deal with them when they were 15 and 18. If they would save all their money, and put it in a ROTH, I would pay all their expenses. In 2007, after I heard Clark talk about SDIRA (Self-Directed IRA’s) I opened ROTHs in all our names. We partnered together and invested in real estate. They applied what they learned when they were ready to buy their own homes and non-retirement investments. So, we owe Clark a big thank you for making us ALL financially secure. SON, listen to your Dad, the rest of us depend on him.