Dos Perros
WKR
Who wouldn't want to be born with money? However, you don't get to pick and choose who your parents are. This logic does not work in most scenarios. It would have to be grandparents or great grandparents passing the capital on early enough in their life for it to be of significant benefit, not the kid's parents. My parents are in their late 70s. I am 50. I'd be up the creek without a paddle if I was waiting on my parents to pass me capital to help stabilize my financials to where it would be of great benefit. I'll be 70+ years old before they pass anything on to me. Not really beneficial. The caveat being if my parents had "stupid money". So much that they could afford to start to divide it up early. That's a very very small percentage of the population.
I would argue that the better item a parent can pass on to the children is the importance of an education or skilled trade that will be of value to them and their own family. Something that generates financial stability. The importance of hard work, sacrifice and dedication. My parents are lower middle class at best. I had all I ever needed and got a lot of what I wanted but I learned as I got older, it was often because my parents put themselves in financial situations, they shouldn't have just to make me and my siblings happy. That really bothered me. I knew I did not want to be in the same financial situation they were in when I was older. I set goals, sacrificed a lot of my free time in high school and college. My parents encouraged me the entire way. They were instrumental in helping me achieve my education goals. They didn't pay a dime, they couldn't afford to. But they loved and supported me.
With my own kids, all teenagers currently, I am doing the same with them. My two boys have high ambitions for careers because they have seen what those careers can provide to them. They see the reward and are willing to make the sacrifice. My daughters, not so much as of yet. When I ask them what career choices they are currently considering, they mention an interest in this or that. I then ask them about their foreseeable lifestyle, things they want to have or do. Then I mentioned the possibility of being single for a long time, possibility of having a spouse that may tragically die down the road. I try to cover all the scenarios. Then I asked, does your career path 1) make you happy most importantly 2) will it provide for you/family given these scenarios or your lifestyle. If it doesn't, I don't have to tell them it won't. They immediately realize whether it will or will not. This has created ongoing conversations initiated by my daughters with me on multiple occasions now over the past several years about this career or that career. This is an conversation that never gets had in my opinion. Kids just do whatever, with no interest or input from their parents. We are failing them. While I will never tell them what they can or cannot do, I will point out the pros and cons of each career. It's my job to educate them. Their view of reality has greatly changed with our conversations.
The only thing each and every one of us can give our children no matter our circumstances is 1) Love and 2) Education (not in the sense of paying for college.....but in the sense of teaching them life skills).
As to the OP, Duckhunter14 hit the easy button...... stop the daily vices that add up significantly (Starbucks, Energy Drinks, Sodas, Alcohol, Tobacco, eating out, etc etc.) An OTC tag in many states isn't that expensive. I bet if you looked at your finances and focused on saving you could easily swing a out of state hunt every 2-3 years.
The value of an education or skilled trade is going to zero eventually.