I'm with you, actually spend the time to teach you kids financially literacy. giving your kids an inheritance (more freedom and options) is so obvious a good thing, anyone who cannot see that is on the wrong track. the whole point of being a good parent is to fix the things that were broken in your childhood and heal generational trauma. leaving your kids better off than your parents left you is a part of that. the whole "they'll squander it" mentality reflects badly on you, the parent, it's arrogant.