Many people wrestle with the question of helping loved ones now versus preserving everything for later. And there’s no perfect formula — every family’s needs and values are different. What I appreciate about this article is how gently it approaches a topic that can stir up guilt, fear, and conflicting emotions.

Giving while living can be incredibly meaningful. It lets you see your generosity make a difference, whether that’s helping a grandchild with college or supporting a charity that aligns with your values. On the other hand, preserving your assets for the future ensures stability and may protect your long-term independence. Neither path is “right” or “wrong.”

If this is something you’ve struggled with, this piece offers perspectives that might help you rethink the balance — not just financially, but emotionally. Sometimes the clarity comes from stepping back and asking: “What legacy do I want to create, starting today?” And remember, balance can shift over time — your answer at 60 may look very different from your answer at 80.

Read more at the link below.
— Marilyn

https://www.kiplinger.com/retirement/give-now-or-leave-an-inheritance-balance-the-options