Added to the list. I mean on one end i want my kids to have a good head start but they should still learn to work hard and smart.

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Meaning that this is basically the only reason why i wouldn't spend it all before i die.

One of the major takeaways is not to wait until you die to help your children financially, because they'll benefit more from financial aid earlier in their lives.

That's a valid point there. I never thought a lot about it. My own parents are still alive as well and I don't need their financial aid or have them die leaving me any. In fact i advise them constantly to spend it all, so why am i advising it to them and do not think about spending my own?

I have some thinking (and reading) to do...