I have no children myself. The folks and I have discussed this before; right now the current plan is to find a lawyer for after I die and perform a total liquidation. Then convert it all into a memorial scholarship fund. I wanted to make it a whites-only scholarship, because there are virtually none of those. And even I remember having a hard time finding scholarships in high school, and that was 25 years ago. It likely hasn't gotten better since! The folks found that distasteful. Biden voters still believing in racism, no doubt. But we all came to an equitable conclusion of just offering it to kids in the area. There aren't many minorities out here, so it would serve the same purpose but without the controversy. And if there's black kids enough with high achievements and lots of extracurriculars, well, they can get in on it too, I suppose.
So, you aren't a DINK/SINK by choice but because of where life sat you? And you have expectations of receiving something financial from parental units at some point in this life?
A lot of people can't say that. Some of us - maybe you are one - are actually still in it to win it to support those parents who raised us and supported us first. My parents made some bad economic (and life) choices and I am proud to say that I can now give to them with love and the sweat of my brow the way they did for me when I was a child. We'd be doing the same for my inlaws if they hadn't passed on when hubby and I were in our 20s.