A thing that I want to add but God made this clear too is that we’re all forever beings which means that our debt to our children never ends which makes retirement only apply to this world because we are forever people. Therefore our goal shouldn’t be to pass on our retirement money but a forever life. Money will mean nothing as our life continues but destination will! So while leaving money may be important, it’s only important to this world and our time on this world is very short so our goal should be to prepare our children for forever NOT just life on Earth.