BadCookie, you and I have different constraints. The way you're thinking about accumulating assets makes sense given a child who will need assets and can't accumulate them themselves. The way I'm thinking makes sense given that my 5 kids are all launched and responsible for their own finances. (I invested in all of them--it's not like I just kicked them out at 18.)

My first reaction to your comment was defensiveness. When you explained how your situation differs from mine I realized you had just over-stated. Happens.

I wish you and your child well. A permanently dependent child is a tough position to be in.