I agree with your saying about income trap , but donot agree with the notion that for how many generations you keep it for ? There is a saying that one generation works too hard to make money, 2nd generation improves it and develops it , 3rd and 4th generation destroys it. So instead of keeping for how many generations , it is important to give away some to needy -
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Yes it is important to give to the needy. By saying "keep it for many generations", I mean to say to grow it and manage it properly so it can last long. Giving to the needy should always be part of it regardless whether 1st, 2nd, 3rd or 4th generation because I always believe in Karma. Whatever you do, whether good or bad, it will always come back to you.