Hmm. I cannot relate sa sustento since hindi nagssustento yung sperm donor ng anak ko. 🙄😂 Pero about sa money, I suggest kung you can provide naman for your child and parang extra lang yung sustento, much better nalang na iinvest niyo sa bank, life insurance, or mga coop ninyo. Para magamit nyo in the future if hindi niyo pa gagamitin ngayon. And much better din na ikeep niyo since kaya niyo pa naman mag provide. 😊 Tip: don't put all your eggs in one basket. 😉
In your case, better keep it in the bank under the child's name para my pang tustos sya pang college or give to your child as a gift on her/his 20th bday (20th kasi kahit pno matured na sila mag isip sa ganung age)