The Parent Match

Want to help your young adult build strong saving habits? Consider a “Parent Match”—where a parent, grandparent, or family member matches what they save each month, similar to an employer 401(k) match.

For example, if they save $100 per month and you match $100, that is $200 going toward their future. If invested in a Roth IRA, when eligible, those early dollars may have decades to grow.

Starting at age 25, a $1,000 initial deposit plus $200 per month for 35 years could grow to approximately $475,000 by age 60, assuming an 8% average annual return.

($84,000 contribution and $390,000 is growth)

The real benefit is not just the money—it is teaching consistency, discipline, and the power of starting early.

Small habits today can help create meaningful opportunities tomorrow.