If you're like the average American, then you're expecting to spend around $752 on Christmas gifts this year, according to Gallup. And there's a good chance some of that will be spent on toys and trinkets for the kids in your life. But as you're going through your list and getting ready to wrap everything up, think: Is this something that's going to be tossed out in a year or two when the toy trends change, a new version comes out, or the child grows up and loses interest?
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If so, then consider the gift that never goes out of style: planning for a child's financial future. It's one of the most thoughtful presents you can offer this holiday season, and even if they don't appreciate it now, they certainly will down the road. Here, some ideas as we head into the homestretch.