For the amount invested in those overwhelming needs to possess of material things; why not invest in an Insurance Policy & research the Cancer policy. If not an interest bearing account, are even a Land deed; residential or commercial. If one day "you, plan on going getting that money", lease a piece of land and place on it sand and gravel? So once life happens. We don't have to scatter if not figure out; what is left to those "heirs", per stirpes. Of someone else's; time, investments, plans and labor.
The reality is two things are destined to happen in this life, For all people in humanity of any title, race and age; Taxes will be due or forfeit all you own, and Death its inevitable we are not bionic and possess super natural powers.
In the event you are a single person; and wish to leave behind for your children underage. The free air to breathe; create a will. Handwritten or by an Appointed Attorney for a reasonable cost. There is nothing more priceless for these children to inherit a peace of mind to avoid dealing with; the overwhelming hands of gritty greed in the faces you would not be surprised to see.
In the event you cohabitated it don't matter the amount of time invested. But did not abide by the State Law's to be witnessed in the presence of Holy Matrimony; you have nothing coming for yourself. However, those children, and listen closely to why blood children by paternity are entitled to social security benefits; first. And any other inheritance per stirpes, "read it" for better understanding.
Life Insurance will save us ALL some matter of the mind, unless you invested wisely of your own money; to deal with in your own personal situations. Because no one knows the date death is going to call our names. And taxes will follow the living; even after the dead has been buried.
Lastly, look into burial policies, for all the kids 1-99 years of age. In the event someone is idolizing the clock and which coins and dollars to clutch onto; prior and after the services. Double check the math in how Funeral & Burial on the land that has been purchased in advance for sale to ALL of that cost that is increasing over generations with Inflation; therefore expect to pay two separate contractual agreements, unless cremation is an option.
I don't touch on Business Partnerships, Widows & Marital statuses. Why, if you are not educated. Its time re-evaluate your Investment, Relationships & Portfolios.
I will not reach any further in my mind; lord knows for some of us we have invested nothing but Time into figuring out why unnecessary struggles is Insanity. If were all going to eat and have some material stuff and supplement if not supply our basic needs. While we are in the living flesh and for these children; it's going to take more accountability. In what & who we make Investments in of our own planning.