Financial gurus here?

No one is ever more than about 7 minutes from death. I could die before I finish this post. What good will that money do you if that happens to you. Somebody is gonna have to pay the taxes on it sooner or later, and every day that you wait to spend it, it will be worth less. If the kids have to retrieve it when yur gone, that wont be cheap either.
The prices of goods and services are spiraling out of control. Soon it could be that a loaf of bread costs you a day's wages. Spend it now, or give it away for your kids to spend asap.
Believers are promised 70 years, 80 if by reason of good health. I am healthy and looking forward to my allotted 80 years, and then keeling over. How about you?
If you don't have kids, you can send it on ahead of you in the form of crowns for Jesus. Your mandates are to; slake the thirsty, feed the hungry, clothe the naked, take care of widows and orphans in their time of need, visit the sick, and those in prison......
Maybe your neighbor has a 12yr old boy with no father and he has outgrown his boots or parka. Once you start looking around, you'll see all kinds of ways to convert your cash into crowns.
I agree 100% with helping someone in need. But taking the money out now would be kinda dumb. Not only would he get hit with whatever rate income tax bracket he’s in, but if he’s less than 62yo, he’d get hit with another 10% penalty on top of that, so you’re looking at throwing 40% out the window just like that.