I truly believe that the goal of this game of life is to end up with ZERO money in the bank (and owing no money). Hubby helps my Mom with her investments and every time she feels guilty about spending some of her savings I tell her that it is her money to enjoy and spend.
When my grandparents died and, more recently my Dad, all I asked for was one special item to remember them by. I didn't want anything expensive, just something small. From my Grandmother's estate I wanted the old pair of prospecting pants she wore as a teenager when she went prospecting with her Dad. I got those pants and proudly display them in my livingroom. *S* From Dad's estate I got an old tin lithograph he made when he worked years before. It's in the same room as my Grandmother's pants. I cherish them more than any money I might have been given (and there was none *S*).
When Hubby and I downsized into semi-retirement, we had a "get your inheritance now" party. Our new home is very small so we had to get rid of all our "stuff". We threw a big party with our kids and gave each one a different coloured sticky note. We drew numbers and the kid with number one got to put a sticky note on something they wanted. We went down the line of kids over and over again until there wasn't anything left in our house that didn't have a sticky note on it. Then the kids had 2 weeks to take their stuff out. Everyone had a great time and we got rid of all our excess stuff that we couldn't take with us. It was fun and surprising to see what each person (5 in total) chose.