and I do think we need to include kids (grown ones anyway) just because if all goes south, they need to know we tried our best I think, and to understand if there is nothing left or whatever! My only pro at this moment is the one handling the funds. It would be good perhaps to pay someone for advice, that might be something I should consider.
I just want to do the best I can with it - have enough for me and leave some if I can or give some while living either one. I do not think I just need to "spend" it all because I can, not even interested in doing that much.
Am concerned about "messing up" with some poor decision you know?