You don't want to fund the government more than the law requires. You also don't want to ruin a child with money that he or she can't handle. Then there is the problem of your children's spouses. What if they get in control of the inheritance?

Finally, you don't want to run out of money before you run out of time.

This department gives suggestions on how you can avoid the pitfalls and also achieve your goals. It's your money. Don't waste it.

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