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I suppose that's the inevitable response if you start from the individualist perspective. What I meant is the tragedy in comparison to leaving the money to your children, giving them a better life, rather than frittering it away. It's easy for me to say this, nowhere near retirement, and god knows I'd probably do something similar myself if I was in that position. But it's clearly a bit weird that you work all your life, and then towards the end you say "I've done enough now, for my progeny, so I'll just spend the money on eeking out an extra year or two and alcohol and other hedonist expenditure." And I know it's asking a lot and perhaps holding people up to too high standards, especially given they've put a good shift in already, but to me that feels like something which is tragic, over and above staring into the face of your own mortality in an existential way.
A massive chunk of it goes on the Villages corporation itself (I realised I forgot to mention that, but it's basically a semi-private township). And a larger chunk goes on Healthcare- but then that's an argument about accurate allocation of resources I suppose and value for money.
Counterpoint: if you raise your children right, then there should be little need to leave them much money, as they should be able to establish themselves well enough to not rely on mom and dad's eventual deaths to maintain their standard of living.
Raising kids involves making a huge up front investment in them, so it's not like they haven't received a lot of the benefits of your labors.
This is an extremely salient point.
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