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What if we just financed all our kids advantages on our own credit for them and then promptly died?
What would happen to the debt?
Say I max out my credit card for their down payment on a house and then go "get firewood".
They definitely try to track large cash gifts when putting down a down payment on a house.
So I buy a bunch of gold and leave a map and then bury it in the woods and when I "get firewood."
Then the credit card companies crank their interest rates higher and restrict the credit they extend to your kids to compensate. It's not "free money."