I agree with you partly (obviously). I’ll eat steak while I can chew it, drive a nice car if I care about it (I don’t) while I can still see, travel while I still have some energy.
Also about “retirement,” I agree, I plan to work productively, whether for money or as a volunteer, as long as I am capable. Which may be to my last day. I am all for taking breaks but I don’t want a life of indolence.
I disagree with you about inheritance, though. I think it depends upon your kids and how they were raised and how they turned out. If I had some sort of turkey kid that was sitting around waiting for me to die, they wouldn’t get anything.
However, inheritance is an important biblical concept and I at this point have a high regard for my children. I want to leave them a grubsteak, if I can, so they go forth and have dominion. A chunk of one-time money can be critical for major investments or positioning. I have it for a catastrophic need; if I don’t use it and die, I want them to have it and would die happy knowing I left them with something. I don’t see that as making them parasites.
In a perfect world, my parents would live a long, happy life and be able to spend every bit of money they earned on themselves.