Issue #4 | Build Wealth for Your Child, Without Hurting Their Future
For the Wealthy in the Making

In This Issue: 

• Why I Invest For My Child (Not In Their Name)
• Quote of the Week
• On My YouTube Channel This Week
• Announcements

P.S. P.S. Want a chance to win $300 or more? I’ve got something special coming — stay tuned!

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Why I Invest For My Child — Not In Their Name

Style, Strategy, and Smart Spending

Let’s talk legacy strategy. One of the most common mistakes I see is well-meaning parents opening custodial investment accounts for their kids without realizing the risks.

Now don’t get me wrong—investing for your child is a powerful move. But how you do it matters.

Here’s why I choose to invest on their behalf instead of putting the account fully in their name:

Reason #1: They need financial education before financial control.

Handing over thousands of dollars at 18 to a child who’s never been taught how to handle money? That’s not a gift—it’s a setup.

Instead, I use the years before handoff to:

• Teach smart money habits

• Walk them through basic investing strategies

• Show them how wealth is grown, not just given

We’re not just raising kids. We’re raising future investors.

Reason #2: You could hurt their chances for financial aid.

Here’s what most families don’t know:
Custodial accounts count against your child when applying for college aid.

But if that account is in your name, invested for them—not by them—it won’t affect their Expected Family Contribution (EFC).

Translation? More scholarships. More grants. Less debt.

✅ You can grow the money now, keep control until they’re ready, and set them up to receive it wisely—not recklessly.

Because real legacy isn’t just about passing on wealth—
It’s about passing on the wisdom to keep it.

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Quote of the Week

"Money looks way better in an investment account than on your feet." - Dr. Shanah K. Grant

Let’s be real—$250 Jordans might get compliments for a season.
But $250 in stocks? That could turn into $2,500—or more—with time and consistency.

• Shoes depreciate the moment they leave the store.
• Investments appreciate while you sleep.

We’re raising a generation that’s not just fly—but financially free. Let’s teach them to own assets, not just buy accessories.

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On My YouTube Channel This Week

Why the Wealthy Use Trusts (And You Should Too)

Ever wonder how the rich manage to stay ready—even in a crisis?

It’s not by chance. It’s because they use trusts to:

• Avoid probate court

• Protect their money

• Pass on wealth privately and powerfully

This week’s video breaks down:
✔️ What a trust actually does (and why you might need one)
✔️ How it helps your family avoid court, fees, and frozen assets
✔️ What “power of attorney” really means (and why it’s critical)
✔️ How you can set one up—even if you’re not a millionaire

Don’t leave your legacy up to chance. Watch now:

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Announcements

TONIGHT: I’m LIVE on the Speak Harmony Podcast!
Tuesday, June 25 at 7:30 PM EST
Watch on YouTube: youtube.com/@apapmediagroup

We’re having real conversations about:

• Purpose

• Money

• Legacy

• And walking boldly in what you were called to do 💫

Come catch the gems and be inspired to take your next smart money move.

$300+ Giveaway Coming Soon!

I’m giving multiple subscribers the chance to win $300 or more—because wealth should circulate, not stay stuck.

Here’s what you need to know:

• It’s for subscribers only

• Details drop in upcoming issues

• There will be more than one winner

✅ Stay subscribed
✅ Stay engaged
✅ And get ready—you could be next!

Because I don’t just want to teach you how to win—I want you to experience what winning feels like.

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Let’s grow this community!
If you found this issue helpful or inspiring, forward it to a friend who’s ready to level up their money game.

Let’s build wealth together.
One smart move at a time.

Until next time...

Make your next move your best move,
Dr. G
“For the wealthy in the making”