Originally Posted by synthia

The real problem is that you don't, I hope, want to be a financial burden to your kids when you are older. It's hard to make the money end just when you do, unless you intend to do it in the reverse order! You also need to be sure any final bills, like disposal of your body or maybe your kids travel to take care of your things, all that stuff will be covered. Other than that, spend it. Although leaving something for the grandkids education would be a nice gesture.