Having kids is a financially straining expense with the outgoing cash flow for raising kids increases with their age. During key milestones period between the age of 17 to 21, the expenses such as birthday parties, buying a car, university starts increasing exponentially. That is the shinning age where our children generally go to colleague or university to pursue their dreams. The answer to the golden question, is to start a financial investment from the day they were born. Simply because there is likelihood of spare cash at their earlier childhood compared to later teenage stage.