When we box and only then, will our kids get money. The young tend to be wasteful. I'd rather they get it when they are older, God willing, and perhaps it will supplement their retirement. IMO, they need more time learning the value of money, saving for stuff, saving for retirement, and hard work. I was into my mid-60s before either of my parents passed, and we used it to buy our house in TV, leaving retirement untouched. They'll be in good shape after we start our dirt nap. Lastly, while we're in good shape now, there's no telling the future or what we may need (assisted living, major medical bills, long-term hospitalization, etc.), and we saved for those potential scenarios, so why mess the plan up by trying to make the kids life cushier now?
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