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My parents have organised via their wills that each grandchild has access to a percentage of their estate (when the time comes), but cannot access it until they reach 25. The reason was that (hopefully?) by age 25 they have the "fast car" thing out of their system and will be mature enough to...

Great theory :p. Our two oldest at nearly 21 and nearly 18 don't seem to have any appreciation of the fact that they will be sitting pretty "one day". They want it all now, particularly the oldest one. He suggested recently "why not sell a house and buy another car NOW?". Just because...