What you’re getting at is known as the “risk free rate,” or the risk premium of leaving your money with another entity for a period of time. US gov’t treasuries carry a risk free rate; you’d just buy treasuries.
The two aren’t mutually exclusive and the roles change as the kid gets older.
When they’re newborns you are focused totally on providing: they can’t feed themselves, change their diapers, or bathe themselves.
When they get older they can do those things but then start having questions about the world and girls and faith. That’s when it really gets fun because you strengthen the bond.
So you’re always providing for the kid. Being there is the tougher part.
While learning D3 I was stuck on a simple bar chart problem. Just could not figure it out. Asked on the D3 slack. None other than Mike himself took the time to look at my code and point out the error. Then he gave me some general tips that he noticed. The guy is so generous with his time and expertise and I admire him a great deal.
Have you ever bought a house here? You go through a 1-2 month (minimum) process of providing financial documents from the past six months or more to mortgage originators, and no one can tell you how much to bring to closing until 24 hours before. It’s insane.