Exactly, so those of us with a shorter window of time left, will be happy with less risk, to go long term, very long as in years, unless of course a person has special people he or she would rather leave their fortune to.

5 mln in the bank at 70, vs maybe 10 at 75....I'll take the 5.

Not saying I'm not going to hold a nice chunk for the kid, but if he does not earn it, meaning deserve it, go make your own.

He ain't stupid....capiche?