Do you keep, spend or deposit lo ang bao and baby bonus ? Do you set any monthly aside money for lo ?

Deposit all into bank account

CDA will be used for the cc fees or medical fees. The rest aka baby bonus and Ang Bao money will deposit at his bank acct

Save it up for them. I never use their money. Will only give them when they are old enough, maybe after 21 years old

Nah

We put it as his only