<p>We don’t try to be equal with our kids, but give and treat each based on their needs, wants, and trying to be supportive. If started at a young age, then we hope it trains them to not cry “Not fair” as they age, but you never know for sure.</p>
<p>Thus, would give the $5K per year to the younger. I would probably do it in the form of a loan, and then when it comes time to start paying down the loan, then I would pull D2 aside and privately forgive the loan.</p>