Nicole Chan Loeb and her husband choose to invest money for their children rather than giving them physical presents on holidays and birthdays. Daniel EbersoleNicole Chan Loeb is a 38-year-old photographer, videographer, and a mother-of-two.She and her husband prioritize experiences over gifts, so they invest for their kids in lieu of toys.They want to teach their children financial literacy and set them up for a secure financial future.This as-told-to essay is based on a conversation with Nicole Chan Loeb, a photographer and videographer from Boston.