That's one of the biggest takeaways - if you're an average American with average retirement, you will die in your 70s and 80s and your children will inherit ...

That's one of the biggest takeaways - if you're an average American with average retirement, you will die in your 70s and 80s and your children will inherit ... just before their retirement, likely. So instead of waiting to die, give it earlier when it helps more; or give to grandchildren.