It's too much money for me, so once DH and I got a house, we could pay off each of the kid's mortgages. I think I'd keep enough for us to live comfortably on, give some to our offspring, and donate the rest to charity.

I'm not saying that to sound like a Miss Goody-Goody, I think it's what I would actually do.

At our age, DH and I couldn't spend that much in a lifetime, and I don't think giving it all to our children or grandchildren would make them better people. A few luxuries never hurt anyone, but I think too much money can actually ruin people. You only have to read the newspapers. Just MHO anyway.