Child's isa

[littlegold]

I'd just like to know what others would do.
My 2.5 year old was given £1k from my dad when we retired as she was born which we popped into her junior cash isa which is obviously building up now.
We've recently had another baby who hasn't been offered any money for his cash isa (which is fine, obviously we don't expect anything from anyone), but now I feel like I need to top up my second child's account as he will be way behind DDs savings, even though I can't really afford to put so much in.
What would you do? Or am I overthinking this?

I would start an isa for the other one and pay on what you can. I would also not bother with a cash isa. Change them both to a stocks and shares isa. You don't need to know much about stock market (although you should do some research and educate yourself). Good luck

I wouldn't have a child's ISA full stop as they can take ownership of it at 16.

Save whatever you can afford each month for each child into an investment pot like Nutmeg.