The real thing you have to consider is will you need the money yourself. If you live long and healthy you will be fine. If you (or your children) are partially

The real thing you have to consider is will you need the money yourself. If you live long and healthy you will be fine. If you (or your children) are partially disabled by a stroke or car accident you may need $8m just to get by. Or maybe you'll be happy and healthy forever or die quickly at 55. You dont know, its why leaving money in a will is a good way to donate.