How I'm Growing My Kids' Future Wealth With Just $200 a Month And One Hour a Month
Two platforms. Two kids. No planner. No overwhelm.
The exact simple system I set up for my own 6 and 10 year old.
So you can copy it this week.
$147 $57 one-time · instant download
Dear Mama 👋
I see you.
You want your kids to have it easier than you did.
You keep thinking, "I should start something for them."
But where? Which app? How much? What do I even buy?
I know. Because that was me.
This is perfect if you...
- Are a busy mom with zero spare time
- Want to start investing for your kids but don't know the first step
- Can spare a little each month, not a lot
- Feel like you're behind (I started at 45)
- Want a plan that runs on its own
- Want to teach your kids about money while they're little
If you nodded at even one...
Keep reading. This was made for you.
Our kids have the one thing we wish we had more of.
Time.
Time does the heavy lifting.
Not big money. Not being a money genius.
Just small money, every month, for a long time.
Here's the part that made me sit up.
My two kids each get $100 a month. Both stop at 18.
My 6-year-old is starting 4 years younger than my 10-year-old.
That's only $4,800 more put in.
At an example 7% a year, by age 65 that's about $257,000 more.
Real returns go up and down. Some years are bad. Nothing is promised.
But you can see what time can do.
That's not meant to scare you.
It's meant to free you.
Because the best day to start is the day you decide to.
$147 $57 one-time · instant download
Hi, I'm Nikki 👋
I'm a busy midlife mom.
I have a 10-year-old and a 6-year-old.
And for a long time, I didn't invest at all.
Not for me. Not for my kids.
I thought you had to be rich.
I thought you had to be "a money person."
So I kept putting it off.
And off.
Then I turned 45.
And I said, "That's it. I'm doing this."
I taught myself. Step by step.
And I built a simple plan for my kids that I could actually keep.
Here's what it looks like 🎯
- $200 a month total. $100 for each kid.
- Vanguard for the real long-term money
- Robinhood as a tiny teaching account the kids can see
- Autopay on the 1st. Then I leave it alone.
- About one hour a month to check in
And I'm building my own wealth too, in about 10 hard years.
That's my plan. Not a promise. Just my journey.
Moms think we can't do this.
But we CAN start.
We CAN learn.
We CAN be the ones who set our kids up.
So I put my whole system into one simple guide.
Let me save you the late nights and the 20 open tabs.
Introducing The $200 Month Blueprint
Two platforms. Two kids. One hour a month.
This is my complete micro investing system for my kids.
Where the money goes. What I buy. How I set it up. How I check in.
Plus the growth math, so you can see what small and steady can do.
No jargon. No guilt. No overwhelm.
Don't buy this if...
- You want hot stock tips
- You want get-rich-quick
- You want someone to manage your money for you
- You want tax advice (that's a job for a CPA)
This is a do-it-yourself guide. It's how I do it for my family. It's not advice.
$147 $57 one-time · instant download
The old way vs. the new way
❌ The old way
- Googling "best account for kids" at midnight
- Thinking you need a lot of money first
- Picking stocks and worrying every day
- Remembering to move money (and forgetting)
- Panicking when the market drops
✅ The new way
- A clear plan for two simple platforms
- Start with $200 a month (or less)
- One low-cost fund. That's it.
- Autopay on the 1st, every month
- A calm 1 hour a month routine
Here's a peek at what's inside 👀
- Why I use two platforms, and the different job each one does
- The exact way I split my $200 between two kids (and an even simpler way to start)
- The one thing your kids need before money can go in a Roth IRA (most people miss this)
- My 6 set-up-this-week steps, in order
- The one fund I buy, and the "maybe later" fund
- The sentence I tell myself when the market drops
- Growth tables by age: 18, 25, 35, 50, and 65
- Why "stop at 18 and let it grow" works
- The honest answer to "can my kids really be millionaires?"
- The kids-on-payroll idea I'm learning about, plus the questions to ask your CPA
- My 1 hour a month routine and a printable tracker
$147 $57 one-time · instant download
Here's everything you get
Total value: $147
Your price:
$57
One-time payment. Instant download sent to your email.
So here's what to do now
You can keep waiting for "someday."
Or you can set it up this week.
Here's what you get:
- The $200 Month Blueprint Guide
- Set Up This Week Checklist
- The Fund Guide
- Growth Math Tables + Chart
- 1 Hour a Month Routine + Printable Tracker
- BONUS: Kids on Payroll: Questions for Your CPA
All for $57. One time.
That's about one family pizza night.
But it can help you plant something that grows for your kids for years.
You don't have to figure it out alone.
$147 $57 one-time · instant download
With love,
Nikki 💛
Buildroots · Roots and Returns · @buildrootsandreturns
P.S. I started investing at 45. My kids are 6 and 10. I didn't start early for me, but I can start early for them.
You can too. $200 a month. Two platforms. One hour a month.
Let time do the heavy lifting.
$147 $57 one-time · instant download