Think super long term for your family. Think multigenerational wealth. Think grinding it out for them by maxing out your investments and living as frugally as possible so that they can inherit as much as possible. Then teach them the same principals so they can pass on their knowledge to their children. This will put you light years ahead of others because investing, growing your money over generations, puts compounding on steroids and most people only think of spending, much less investing.
This multigenerational accrual if wealth is incredibly powerful. It will give your descendants freedom. And teach them to respect if. I play the story of the golden goose all the time for my kids. It’s such a simple story and yet it is so pivotal. Respect the golden goose (not worship) and it will buy you freedom. Of course freedom and what they do with it is another thing.
Hey, I hear you brother... or sister. we know this because it is what they have done for generations... the 'long game'. If I thought we had that much time left I would do that, and in fact have done in a way. We should have been thinking this way all along instead of jumping at the 'shiny thing' they kept and keep dangling in front of us.
Its sad when you realise we are really just back in the roman games, trying to buy our freedom from our meagre savings and the 'winnings' from the corporate arena. They would never let us go of course...... never release that goose with the golden egg. We should never have had to buy what we were born with in the first place ....... Welcome to the chessboard :-)