My husband and I decided to go on a little trip out of state for a vacation, as our doctor recommended. I was so excited and couldn’t wait to share the happy news with our kids. But the conversation that we had shocked me to my core.

As I showed the picture of our cheap but cozy hotel, my daughter looked away with a sigh.

Emma: You know, you should think about us too. Your money is not just yours; it’s also our inheritance. If you spent it all in your last years, we would have nothing after your death…

OUR SON, Jake, chimed in: Yes, besides, do you really need that vacation? People your age should stay home and keep it low-key. Why are you always spending money and doing something? Sometimes I just feel like there will be nothing left for us.

I almost broke down in front of them, but my husband squeezed my hand firmly and shook his head. That’s when I knew he had this situation handled.

We decided to donate a large part of our savings to charity, wanting to make a difference while we were alive.

When Jake found out, he was furious. “You’re giving away our inheritance?”

“It’s our money, Jake,” I said. “We worked for it, and we want to enjoy life while helping others. You and Emma have your own careers—you’ll be fine.”