If your kids don't really deserve it then why give it all to them? I see so many people who get money from the succession and blow it away, on $10 000 worth of woman's make up, clothes that go straight to salvation army never worn, a bunch of useless stuff or smoke weed and sniff coke. It would piss me off, If I'd give money to unreliable children it would be on some condition like once they open a successful biz after 5-10 years they get the money. By then if they are successful they are more likely to appreciate the value and use it wisely. Otherwise I would not give much and give it to someone unrelated or others who merit it.
Anyway the average life expectancy for a plumber is 67 years old so it's time to enjoy life NOW.
Take my mother's husband (70-74) he was getting a little slow and one day bam he started to say his butt cheeks weren't connected and suddenly he was incapable of taking care of himself. From then on he was mentally game over. The body degraded right after, in a matter of months they had to sell his mega garage on another lot where he spent all his days there, they sold the house, all the 4wheelers, boat, the car and truck. Now he spends a whole lot of time at the hospital half in and out of lucidity, can't climb stairs or get up from the ground.