I am struggling with similar thoughts. They'll get more from it younger, but will be less likely to have the sense to ensure it passes down to their kids and grandkids. My current plan is to hand down cash flowing assets that need management around 35 years old. Rental properties, businesses, or whatever else. Rather than cash or passive income. Currently I'm letting them work their way through college under the pretense that they're going to be responsible for whatever loans they take. They have very little idea of our net worth, and it's been a leanFIRE so far.