There’s a common belief people have about money: you build it, you protect it, and whatever’s left gets passed on at the end.

But what if the timing matters more than the total?

As lifespans stretch into the 90s and portfolios grow beyond what many families will realistically spend, the question starts to change. Would a gift mean more when your kids are buying their first home, raising young children, or launching something meaningful? Would you rather see the impact while you’re here to experience it? And how do taxes, fairness, and family dynamics shape that decision?

This conversation invites you to switch your thinking into a more intentional approach. The big takeaway? Giving isn’t just about numbers, but about when the help lands, how it changes someone’s life, and whether you want to be part of that moment.

If you’ve ever wondered whether to give now or later, this episode of Real Personal Finance will stretch how you think about your legacy.

— 

Mentioned in this episode:

Die With Zero by Bill Perkins on Amazon: https://www.amazon.com/Die-Zero-Getting-Your-Money/dp/0358567092

— 

Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planning.

Ready to learn more? 

• Scott Frank on LinkedIn 
• Stone Steps Financial 
• Nick Covyeau on LinkedIn
• Swell Financial

Leave us a question! 

Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial.