Cheapest way to split a Bitcoin purchase.

Hello,

I want to buy more Bitcoin for me, but would also like to start two wallets, one for each kid. Does it matter how I go about dividing one purchase into three accounts on one ledger?

Ex: Buy on Coinbase: send it all to ledger: split it up there.

Buy on Coinbase: make 3 separate sends for each wallet

I want to separate it out so I don’t lose track of who gets what. ATM I don’t think it’s worth buying the kids their own hardware wallets.

Any input or suggestions are appreciated!