Don't have much advise for accounting with a spouse as our money is our money 
so there is no need for separation in my case.  

And my child's money is my child's money, especially the money that's in an 
ISA/IRA, so for me it is tracked as an Expense. 

If I was inclined to track my child's money I would have a separate beancount 
file for that purpose. 

Kind regards
Jakub.  

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