@punjabifinance: $400/month lands in the account and quietly disappears into groceries. Here's the version where it has a job 🇨🇦 📚 $210 → RESP — enough to earn the full $7,200 government grant 🔓 $90 → TFSA in the parent's name — no rule it goes to school 🛡️ $100 → permanent life policy on the child — health locked in before life happens By their 18th birthday: ~$200,900 in cash + $340,000 in coverage. Same $400. Nothing extra out of your own pocket 💰 Education only — not financial advice, and not an offer of insurance. 10% growth assumed, not guaranteed. #ChildBenefit #RESP #PunjabiFinance #TFSA #CCB