I might take a different stance on it. If your kids are grown up and haven't learned how to fend for themselves I might feel like I failed as a parent.

Then again, I do plan to give most of our sats to my kids. I would prefer to give it to them after they have learned to be responsible for themselves.

I also see that other cultures have set-ups that help their kids if they want to continue their traditions. Like in Europe often they will have 3 story houses where the grandparents live on the ground floor, then parents and kids on the 2nd and 3rd. I like this idea as I get older.