I'm kind of curious how one gets $10k at age 10 and gets to cash out $10k at age 18? ...as I eye my bicycle which is also missing a chain guard from the Schwin

I'm kind of curious how one gets $10k at age 10 and gets to cash out $10k at age 18? ...as I eye my bicycle which is also missing a chain guard from the Schwinn factory but if I cared about getting a "windfall" all that much I'd have sued the girl who bought that bike as a replacement to the one she destroyed when she hit me with her car.