i tend to agree, if i had been given a large sum of money when i turned 18.. not sure what i would have done! howevere i was 10wks pg at my 21st, and we had just moved into our first place together, so.. a couple of thousand dollars would have helped a lot then!

MIL has an account for DD1, and i have asked her to set up one for DD2 (her having control means we cant use the money!) at the moment our finances are all over the place, so i just deposit some money here and there. when we start saving for a house next year, i will also place a small amount into the girls account weekly/fortnightly.