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[quote=Anonymous]OP, I like that philosophy.  In fact, when our financial advisor asked us what we wanted to leave our children, I surprised him and said "as close to nothing as possible."

It's not because I don't want to spend money on our kids.  We've given our children an incredible start in life.  Private schools all the way through, a ton of travel and activities, private tutors and coaches.  When they both get to 25, we'll probably give them a down-payment for a condo to get them started.  And we'll enjoy being alive to see them enjoy what we give them.

We've had to work really hard to do this.  We deserve to spend on ourselves when we retire in 3 years -- while we're healthy enough to do it.  Yes, health costs are an unknown so we won't be stupid.  But the financial plan that ended with us dying at 95 and leaving our kids $7M?  No thanks.  I might be interested in leaving a small trust to help with educational costs for future generations, but that'll probably be it. 
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