I wonder if to address this, we could do something slightly different. There is definitely a danger here. Hang out around a military base where a bunch of young men got back from deployment and see how many of them are driving BMWs. When I was in the Navy, my junior sailors would blow all the money they made on deployment on shitty cars and strippers.

Maybe instead of just cutting a $20K check, perhaps an account that allows certain purchases. Like here is $20K, it is pre-authorized to use it to pay for tuition for a college or trade school. Pre-authorized for medical expenses. And perhaps other things, but you can't exactly go out and blow it on cars and strippers. Then perhaps with a, if you don't use it by 25, you can roll it into your 401K?