 News, talk, sports, and ag information. News, talk, 1250 AM KBRF, Fergus Falls. Depend on it. Now, I get questions about this. The UTMA, the UGMA, the Unified Transfer to Minors Act. The problem with that is that when they're 18, they automatically get the money if it's in their name. Exactly. Which can be very dangerous, to your point. Exactly. What if there's misbehavior? We don't know what your kid's going to be like at 18. Exactly. So to have $150,000 could be detrimental. Exactly. So I put it in my name.