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Don’t get me wrong - I have handed over thousands and thousands so that I don’t have a luxurious retirement. My comments are as a result of experience. My kids are not struggling and earn more money than I did after my working life.

My experience is that giving away your wealth to your kids, inheritance tax issues aside, means you end up poor and annoyed at the way their priorities end up different to yours. There’s nothing quite like making your own way as much as possible because you learn to appreciate it more. Even...