If you want to help your kids I think it should be done in their 20's or 30's. Waiting to give an inheritance when you are 90 and your kids are retired doesn't really make sense.
That said, my advice for my parents is to spend all of their money enjoying life. I don't need an inheritance and would feel bad if I knew that my parents passed on things that they would enjoy just so that I can receive an inheritance. (I am pretty sure they already passed on a lot when I was growing up.)
|