Lel Smits.Courtesy of Lel SmitsLel Smits and her husband invest in stocks for their children as Christmas gifts to build wealth.Smits prioritizes financial literacy and chooses stocks from familiar companies for her kids.She also creates stock certificates and drawings to help her children visualize their investments.This as-told-to essay is based on a conversation with Lel Smits, an entrepreneur, director, and mother of two in Sydney.