A venture capitalist hired her baby and invested his earnings – which could grow into $5.7 million by his retirement

Jenny Stojkovic figured that if her baby son was going to appear in her company’s ads, it made sense to start building his financial future.

The venture capitalist says she plans to invest about $7,000 of her son’s earnings each year into a custodial Roth IRA until he turns 18 . That would add up to roughly $126,000 in total contributions. Over time, those early deposits could potentially grow to nearly $5.7 million by retirement age, assuming an average 8% annual return and decades of tax-free compounding.

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“The most obvious way you can do this is if you’re a content creator,” Stojkovic told MarketWatch (1). Her son has already appeared in sponsored videos and branded content for companies she works with.

The idea of paying your child legally, investing the income early and relying on compounding to do the heavy lifting over time almost sounds too good to be true.

But while the math can be compelling on paper, the strategy itself is more complex in practice.