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I read both your posts as I jsut stumbled across this thread. How fantastic Encourage her as needed now, show her what's saved, what the plan is for it and the rewards - speculate as need be.. She has 'seen the light' but of course does not yet understand the whole big picture.. I hope my neice...

See that's the balance that the old school seem to have had worked out better than, well me They would say borrow nothing, save save save and ONLY pay cash when you spend blah blah blah.. now, they did not invest, but did not end up in bad debt either ... Now I see myself as having...