You can also be thinking about trying to set your grandchildren up with a small inheritance (e.g. down payment on a moderate home). I wouldn't consider that dynastic wealth (they will still need to work) but it goes a long long way to making your grandchildren's life much, much easier.
Exactly. My parents gave me $10K towards my first house down payment and I plan to do similarly for my kids. I’m nowhere near on track to need to talk to a estate trust advisor, but I’m planning to have saved up more than 25x my annual income requirement in retirement; as a result, I’m very likely to die with a positive balance in my accounts.
Don’t worry too much: My kids will 100% have to work if they don’t want a sucky life.