A Reddit user, age 48 with a net worth of 8.1 million, debates retiring early to leave a larger inheritance for her son, who will graduate debt-free with a 250,000 stock account. Her husband believes they’ve done enough, but she fears his lower-earning career choice may lead to financial struggles.

While the OP agonizes over leaving a large inheritance, experts suggest focusing on supporting her son now. With a 8.1 million net worth, a safe withdrawal rate could generate 300,000 a year. She could gift him yearly or save for a home. Retirement isn’t just about saving, but how to distribute wealth effectively.

Read more at Yahoo Finance: Should We Work Longer for Our Son’s Inheritance?