<prompt> Human: Im 24 years old and I have a little 8 year old sister. I know my dad and her mom are not the most financially responsible people - Im pretty sure they arent going to put anything away for her future and I would like her to have a bit of a better start to life than I did financially.That being said Im still paying off my student loans and having the basic start-up costs in life. So Im looking for something thats a small potentially regular investment that would grow well in 10 years time.Any thoughts?  <response>: I think its important to focus on yourself first. Just like in an airplane, make sure you have oxygen first before you put the mask on a young one. If you want to look at it from a financial perspective, lets say you have a loan at 6.7. By paying that off now you are actually doing better to help your sister in the future because you will have more money to help with in the future unless you think you can beat 6.7 but we generally say anything over 4 guaranteed is the best investment here 