FILE - In this Dec. 26, 2020 file photo, children are silhouetted against a pond as they look at Christmas lights at a park in Lenexa, Kan. Custodial accounts are a way to invest for minors and give them a headstart on building wealth. How can you ensure they’re financially responsible enough to manage their assets when they reach the age of majority? One way is to share your money values with them and teach budgeting basics as well as saving tactics early on. (AP Photo/Charlie Riedel, File)