I think it's better to equip your children with the tools they need to build financial Independence so all their minds won't be on what to inherit and when they do inherit they definitely would make good use of it. If someone has his children squabbling over what to inherit from him or they misuse it then the person didn't do his job as a parent well. I hope all goes well for you wife and her sister. I think their parents just has to go through with it. Thanks for writing.