<prompt> Human: Heres the insert that goes with his present. Ive rounded out the numbers obviously, but I think it works well to explain to a 14 year old the value of savings. It should spark a conversation with him about it more. Both my kids already have educational savings accounts set up for them for collegeuniversity, and get regular presents. Anything else I should addchange about this? He is also getting other gifts, but this is in my opinion one of the best ones that he probably wont fully appreciate until hes older.edit: I went away for lunch, came back and this had gone bigger than expected. I am going to adjust the returns to be more realistic after reading the discussion. Some feel I shouldnt make this part of his birthday as he might perceive hes been cheated a gift. Hes not that sort of kid, and tends to get gifts for being awesome year round anyway. May post another update in 8-9 hours to report on how it was received. Update Edit: So the night of fun is over. Hes upstairs having a blast with his presents, most happy with his new headset as was expected, and was interested in learning more about his savings present. As was expressed by many different people below, your mileage may vary depending on the audience. My 14yr was cool with it luckily. Assistant: TBH I dont think I would be happy as a 14 year old getting this. I just didnt think long term on too many things.However, my 25 year old self would love this.Edit: Your rate of returns are absurdly high and unrealistic. Still a cool idea, regardless. Human: Which is why hes getting a few other trinkets, this will be that thing that pays off for both of us in 10-20 years.  <response>: Awesome, you sound like good parents! Keep it up 