We do live in a different state from the rest of the family, so that is the main reason for sending money, plus they always say they just don't know what to buy the girls. So I do find it odd that they are then insistent that the money goes into the bank account. At the end of the day, even with compounding interest, $20 twice a year is not going to make a huge difference to the girls when they are 18.

I think we will just do what we think is best for the girls at the time and not tell them.