Imagine how good it would feel to be able to say to your parents: "It's been really nice to know I'd be taken care of if things didn't work out, but as it turn

Imagine how good it would feel to be able to say to your parents: "It's been really nice to know I'd be taken care of if things didn't work out, but as it turns out I don't think I'm going to end up needing anything from you guys. Is it too late to restructure things so that any inheritance skips me and goes straight into a trust for the grandchildren?" That's a realistic position that you can get yourself into (it just happens that the rest of us need to get there). Having the inheritance as a safety net will actually make it a bit easier, since you'll be able to take a few more risks, career-wise, or even do some of that entrepreneuring that you don't seem interested in. But I think you'll be surprised what it does to your feeling of self worth to know that you actually accomplished something on your own, rather than just waiting for a trust to mature.