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Originally Posted by Martin Smith

You know you can take those savings bonds into the bank and get whatever their present value is any time you want. (That's what I did to buy concert tickets in high school.)

So having a piece of paper that says year "20xx" on it does not force the kid to save it, any more than having a coin collection or other instrument, FYI.

Well, I guess the lesson here is to never give your kid any money at all. Keep it for yourself, spend it on the P-Car and if he/she is good, then one day leave it to them in the will!