Both of us are outliers in terms of financial success, even by our industries standards, but this was due to extreme luck. So, the kids are very unlikely to match this “success”, nether they need or want to. However, they both need to be professionally successful and self-supporting to be happy. And these can become very difficult in case of bad luck. Both kids had big health scares at several points, which could have permanently precluded their ability to work (and they are still not out of the woods). Please, remind your children to get long term disability insurance if they can.