re: Did you get an inheritance? Or some financial gift?

Most of your accumulated wealth will not benefit your children unless you intentionally spend it on specific things for them.

Your wealth will benefit your grandchildren.

For instance, my wife’s father was very successful later in his life. But he never felt like he could spend his money. We knew he had a lot but not exactly how much. He passed away and now my MIL is in control of the estate but she is a penny pincher as well.

She is healthy and still in her 70’s. She has two older siblings that are 78-83 and healthy and live alone.

All that to say - we are in our 50’s. Getting a financial windfall in my mid to late 60’s does not change my life in the slightest.

On second thought, maybe I could afford that TD premium membership I have had my eye on for so long.