Classifying your own heirs as retarded is most definitely a cop out.

They may actually be, but you’ve got the opportunity to educate them in a way you don’t with normies. 

If you can’t get them to a point where you’ve informed them why they shouldn’t waste your inheritance then that’s most definitely on you.

Your job at that point is to provide the education to continue your lineage. To ensure your wisdom is passed on and remembered generations from now.

No-one else is going to do it for you. And you’d be a fool if you don’t think people like me will be teaching their heirs to exploit yours..