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A savings goal is only useful if your child can picture the thing at the end of it and reach it before they stop caring. Here's how to size goals, fund them, and know when a goal has gone stale.
Before you lock money in a Junio FD, know the three things that actually matter: the rate you'll earn, the tenure you choose, and the tradeoffs of locking money your kid can see but can't spend.
Two safe places to park a college fund — a bank FD in your kid's name, or Junio's in-app FD. Same ~7% rate. The real difference is friction and whether your kid ever sees the money grow.
