It's a minefield really. My plan is to have little to leave if we can both enjoy life to a ripe old age. That said, and it seems stupid when you think of it, but my life expectancy was 16 years based on the average when I got my blood cancer diagnosis which was ermmmm 12 years ago.

We really do need to sort. And that's a good point about the future.

We would want to leave any money to our great nephews and nieces, skipping a generation because they are all doing very well financially.

I definitely don't want a situation like our friends daughter did. Her partner and dad to her son died when her son was a baby. He was killed in an accident and a lot of money was put in a trust for when he was 18. It was set up in a way though they could apply to get money out of it to buy things he might need while growing up. She got a new partner and they pretty much drained it over the years buying computers etc then selling them for beer money.

Then when he was 18 he just cleared off on holiday with what was left and paid for all his mates too.

What a waste.