We're saving £100 a month into pensions for our toddler and baby - here's why

OK NOBODY WARNED ME ABOUT THIS ONE BUT APPARENTLY SOME PARENTS ARE STARTING PENSION FUNDS FOR THEIR BABIES WHICH IS WILD BECAUSE THEY ARE LITERALLY JUST LEARNING TO WALK AND RICHARD AND CAITLIN BRAIN FROM SWANSEA ARE ALREADY STACKING FIFTY QUID A MONTH FOR EACH KID INTO ACCOUNTS THEY CANNOT TOUCH UNTIL THEY ARE FIFTY-SEVEN YEARS OLD. HE WORKS IN INVESTMENTS SO HE GETS THE COMPOUND INTEREST VIBE BUT THEY ARE ALSO SLAPPING SIXTY BUCKS A MONTH INTO JUNIOR ISAS FOR UNIVERSITY OR BUSINESS STUFF LATER ON SO IT IS LIKE SUPER LONG GAME PLANNING BEFORE THE KIDS CAN EVEN TALK PROPERLY, WHICH IS HONESTLY KIND OF IMPRESSIVE IF YOU THINK ABOUT IT BUT ALSO MAKES ME FEEL LIKE I NEED TO GET MY LIFE TOGETHER IMMEDIATELY. RIGHT I AM GOING TO THE SMOKING AREA, COME.

YOU KNOW WHAT IS ACTUALLY MENTAL THE WAY PARENTS ARE ALREADY FUNDING RETIREMENT FOR TODDLERS WHO ARE JUST FIVE MONTHS OLD BECAUSE RICHARD AND CAITLIN BRAIN ARE PUTTING FIFTY POUNDS A MONTH INTO PENSIONS FOR THEIR KIDS PLUS ANOTHER SIXTY INTO JUNIOR ISAS SO THAT MONEY CAN GROW FOR DECADES BEFORE THEY CAN ACCESS IT. THE BBC SAYS THIS IS APPARENTLY A TREND NOW WITH PARENTS PLAYING THE LONGEST GAME IMAGINABLE AND RICHARD IS AN INVESTMENT GUY SO HE IS OBVIOUSLY ON TOP OF THE MATH HERE BUT IT IS JUST WILD TO ME THAT WE ARE TALKING ABOUT PENSION CONTRIBUTIONS FOR PEOPLE WHO ARE LITERALLY STILL USING NAPPIES AT THIS MOMENT, WHICH IS A LEVEL OF ADULTING I CANNOT EVEN COMPREHEND RIGHT NOW. ANYWAY I HOPE SOMEBODY IS WRITING THIS DOWN.

Parents Richard and Caitlin Brain are contributing £50 monthly to pension funds and £60 to Junior ISAs for their two young children to encourage long-term financial growth.

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