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We have RESP's set up for each of them. It's a savings plan that we pay into each month, and the govt. matches our contribution until they are 18 years old. If the kids use the money for tuition for college/university then they get the full amount, but if they don't end up furthering thier education they have the option to take the cash when they are 25, but they only get the amount I paid into it, not the govt. contributions.