We have established a living trust and will pass our inheritance to our children.
We live modestly out of choice and utilize money with the thought to its utility and its value. We both do not care for jewelery and other forms of ostentation spending nor do we believe in impulse buying. Yes we do respect ourselves and yes we do think we are of value. We just don't think we are special and ought to be pampered.
Because of this approach even retired we are able to save considerable amounts adding to our investments
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