“When I was growing up, my parents saved money every year for me, and when I graduated from college, there was approximately $100,000 in the account. In my twenties, I inherited another $100,000 combined from both sets of grandparents when they passed away. I now have $325,821 in the account. I have invested some of my own money in this account over the years as well, and about eight years ago I diversified and invested my funds in the stock market, with the help of a financial advisor. I have seen substantial gains over the last two years with the strength of the market (although this month, not so much). I have complete control of this account, but I’ve never touched a dime.