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After 60 is typically when people who’ve saved for retirement have some extra money to help others. If you’re looking for a good way to contribute to future generations, consider investing in your grandkids’ 529 college fund. Donate annually what you can afford or, if possible, tell your adult kids you’ll match what they put in. (Great incentive for them!) Either way, says Brown, you’re helping finance something very important and specific that could be a huge help to your adult children as they also try to save for retirement. Win-win.