There is always discussion within families about what people leave behind when they pass on.  This is a big concern and a very emotional issue for both retirees and their families.  Most of us want to leave behind some sort of legacy.  For some, this is money; for some, it is their children; for some it is a moral or intellectual legacy.

The generation that is now over 65 has tended to follow the thinking of their parents in believing it is important to leave their children a financial legacy.  Many in these generations will make amazing sacrifices to ensure that there will be some inheritance for their family.  Others will make sacrifices to ensure a legacy gift to a charity or institution that will cause people to remember them.