I’ve been exploring the idea of using one-time investments at birth to create self-sustaining retirement systems — not as charity, but as a compound-interest-po

I’ve been exploring the idea of using one-time investments at birth to create self-sustaining retirement systems — not as charity, but as a compound-interest-powered policy model. Basic math: $3,284 invested at birth 10% average annual return (S&P 500 historical average) Held for 60 years Final value: ~$1,000,000 This isn’t wishful thinking — it’s Warren Buffett’s exact formula: start early, let time do the work. Currently, retirement contributions typically begin around age 25–30. But starting at birth unlocks the full power of compounding — something policy almost completely ignores. Even many municipalities already offer baby grants ($500–1,000). But if just a portion of that were invested long-term, the difference would be staggering. Here’s a simple petition I launched to push this forward as policy: https://chng.it/D2RMjjGGKf https://chng.it/D2RMjjGGKf I’d love to hear the HN crowd’s take: Would this work globally? Are there legal/ethical/systemic blockers? Has anyone done this personally for their children? It feels like planting a financial tree at birth — and letting it grow for decades.