Every week a Guardian Money reader submits a question, and it's up to you to help him or her out - a selection of the best answers will appear in Saturday's paper.
This week's question:
When my partner died I set aside £30,000 for our son from his estate. He is now 14 years old and I am trying to decide when would be the best time to allow him access. The most obvious ages would be 16, 18, 21 - or even later. I don't want him going off the rails, but it is his money to use as he wishes. What do readers advise?
What are your thoughts?
