We are living through the largest wealth divide in human history — and it’s only getting wider. The top 1% of the world’s population now controls more than half of global wealth. That gap isn’t closing anytime soon, especially as artificial intelligence (AI) reshapes the economy and governments flirt with policies that sound compassionate but often backfire.

If you purchased an annuity years ago, it may have seemed like a safe and steady option at the time — maybe it’s been paying you a “guaranteed” 3% rate. But here’s the problem: the world has changed dramatically since then.

Every parent wants to give their children the best possible start in life — not just emotionally, but financially. The earlier you plan and act, the more opportunity your children have to grow up with financial confidence, freedom, and security. The key is to combine smart investing, tax-efficient savings, and intentional teaching moments that build long-term habits.