 What do I need to do to have that money when it becomes necessary to have that money? You will come up with a way. You will have money for that kid when they get ready to go to college. And you'll spend that $50,000 to $250,000 at a college giving somebody a job teaching your kid to read books. When your kid gets out of college, they'll spend $250,000 and four to six years of their life to figure out how to get a job.