Thanks, Sherry! Part of the problem is that we *do* have that kind of money; we just had this selfish vision of spending it on ourselves in retirement. I’ve also budgeted our retirement with the anticipation of zero inheritance (assuming my parents spend it all), whereas my sister “spends against her inheritance” as my wife puts it. To my sister, it will all work out in the end, we’re just pulling money out of different pots for right now. Which is easy to say, when they aren’t your pots. 😒