[jasonkester]

Imagine how good it would feel to be able to say to your parents:

"It's been really nice to know I'd be taken care of if things didn't work out, but as it turns out I don't think I'm going to end up needing anything from you guys. Is it too late to restructure things so that any inheritance skips me and goes straight into a trust for the grandchildren?"

That's a realistic position that you can get yourself into (it just happens that the rest of us need to get there). Having the inheritance as a safety net will actually make it a bit easier, since you'll be able to take a few more risks, career-wise, or even do some of that entrepreneuring that you don't seem interested in.

But I think you'll be surprised what it does to your feeling of self worth to know that you actually accomplished something on your own, rather than just waiting for a trust to mature.