The hard part has little to do with whatever money will be parceled out when the time comes. It will take far longer, probably the next two or three decades, if not until the end of our lives, to accomplish our more important inheritance goals. That is because the most crucial thing we will leave our daughter — and any subsequent children — is what we teach her about making her own way in the world.
A Child’s Inheritance Should Be More Than Just Money – NYTimes.com