PSA: If you can afford to do so, you should consider investing for your heirs. The amount of capital needed to achieve good outcomes is incredibly small. For example (we'll assume 9.65% CAGR):

1. Someone from age 22 to age 60 invests $2,000/mo they'd have roughly $8,000,000 that is $912,000 of capital invested.

2. Someone put $32,000 in an account the day you were born. When you are age 60 it is roughly $8,000,000

Same outcome 3.5% of the capital invested. The difference is "unlocking" the extra 22 years of compounding lost while growing up.

So again, if you can afford to, consider investing for the next generation, then encourage them to do the same for future generations.