I need to decide today whether a Roth IRA for minors or a traditional custodial account is better for my fourteen year old daughter who just started working.
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
I need to decide today whether a Roth IRA for minors or a traditional custodial account is better for my fourteen year old daughter who just started working.
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
2026 IRS IRA contribution limit 2026 Roth IRA earned income minor custodial IRA rules Google ↗
IRS custodial account UTMA UGMA kiddie tax rules minor unearned income 2026 Google ↗
- Publication 590-A (2025), Contributions to Individual Retirement Arrangements (IRAs) · irs.gov
- Publication 590-A (2025), Contributions to Individual Retirement Arrangements (IRAs) · irs.gov
- Roth IRA for Kids | Tax‑Advantaged Savings · fidelity.com
- What is a Custodial Roth IRA? · schwab.com
- Start a Roth IRA for Kids · usbank.com
- Topic no. 553, Tax on a child's investment and other unearned income (kiddie tax) · irs.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 IRS IRA contribution limit 2026 Roth IRA earned income minor custodial IRA rules OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
IRS custodial account UTMA UGMA kiddie tax rules minor unearned income 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |