Child Trust Funds (CTFs), established by the UK government in 2005, provide a financial boost to young adults as they turn 18, often amounting to around £10,000. However, many young beneficiaries, like Moxxie and George, are unaware of their accounts or how to manage their funds effectively. Gavin Oldham, who runs the Share Foundation, highlights that £1 billion in CTF money remains unclaimed, particularly affecting low-income young adults. The lack of financial literacy and parental involvement contributes to this issue, as many young people do not know how to reinvest their funds or are overwhelmed by the choices available. Financial experts, including Gina Miller from MoneyShe, emphasize the necessity of investing to combat inflation, advising young people to start with any amount, as even small investments can grow significantly over time. With options to transfer CTFs into adult ISAs or take partial withdrawals, young adults are encouraged to seek guidance to make informed decisions about their financial futures. Oldham has proposed a new version of the CTF scheme to further support financial education and accessibility for future generations.