 She can use the account to have a little slush fund, maybe for the beginning of her real estate down payment fund, or maybe she just is going to use that fund later on in life for herself. Maybe she can open the account where she holds her Roth IRA, and it's just an individual account in her name, and she can use index funds to populate the account. I hope that helps. If you'd like to run a situation by us, just go to our website, JillOnMoney.com, and click the Contact Us button. We'll be right back.