And along the way, you've still found time to start a family and have children

在路途中，你仍找到時間組成一個家庭並且生小孩

But now, as you reach your fifties and sixties, and your children reach their teens, comes the tricky question

但如今，你正步入五、六十歲，小孩也十幾歲了，問題來了

of how to leave your money to your children without screwing up their lives.

該怎麼在不毀了他們一生的前提下留財產給他們？

So how do you, as Warren Buffett once said, leave enough for them to do something, but not enough to do nothing.

正如同巴菲特所說的，你該如何留給他們夠多的錢去完成一些事，又不會多到讓他們一事無成？

We spoke to a range of experts, wealth managers, and to the wealthy parents themselves about what you should do

我們與各種專家、財富管理師以及富有的父母本人討論了該怎麼做

and came up with a five-step plan

並且想出了一套五階段計畫

First, determine how much is too much. In the FT's long-running interview series, "My First Million,"

首先，決定好太多錢是多少錢。在金融時報播出許久的訪問節目「我的第一個一百萬」中

the question: "Do you believe in leaving everything to your children?" has rarely elicited a resounding yes

「你認為把所有財產留給孩子是對的嗎？」這個問題鮮少得到一個響亮的「是！」

Leslie Pierce had the best response saying that beyond help with property and education, she intended to spend as much as possible

Leslie Pierce 回答得最好，她說把該花的錢花在房地產以及教育之後，她想要盡量花錢

adding, "If I had to stay in a nursing home, it would be a posh one"

並且說：「若我逼不得待養老院，那我要住一間夠奢華的」

Next, think about the values you want to instill in your children.

接下來，想一想你想要你灌輸哪些價值觀給你的孩子

For John Roberts, chief executive of AO.com, the XXX electric retailer, it all comes down to family values

對於電器零售商 AO.com 執行長 John Roberts 而言，最終還是要回到家庭價值觀

He said he wanted his children to work hard, think of others, and have respect for what they have and what they earn

他說他希望他的孩子努力工作、隨時想到他人並且尊重自己所擁有以及所賺得的

But critically, all of this, he added, was for them to live their own lives

但最重要的，他又說道，是他們過自己的人生

Third, education, education, education. Your children need to know more about money than merely spending it

第三，教育、教育還是教育。你的孩子對於金錢的了解不能僅止於花光它

Many organizations offer programs, internships, as well as residential courses, that will teach the next generation financial planning and investing, philanthropy

許多組織提供課程、實習計畫以及留宿課程，教導下一代如何做好金錢規劃及投資、慈善

the dynamics of shared family wealth, and longer-term issues, including wealth preservation

多人分享的家族財富如何變動以及較長期的問題，包括財富保存

Fourth, give it all away

第四，全部捐出去

For philanthropist and entrepreneur, and Tom Hunter, it's a pressing dilemma

對於身為慈善家與企業家的 Tom Hunter 而言，他陷入了棘手的兩難

He told me that he was worried that great wealth would be a burden,

他告訴我他害怕龐大的財富成為負擔

but even the super rich are stumped when it comes to determining how much is too much to leave their kids

但就連超級有錢人在決定究竟要留給孩子多少錢時也被難倒了

When I pushed him on how much exactly he was going to leave, he said, it was still a work in progress

當我再追問他他將給孩子的遺產的確切數字時，他說這仍是「未完工程」

And finally, control your wealth, even after your death

最後，控制好你的財富，就連你走了之後也要

There are many ways to pass on wealth through the generations, but one of the most effective and tax-efficient, is through trust

將財富傳承給後代子孫有很多種方式，但最有效以及最有稅務效率的是透過信託基金

Many families would opt for the traditional trust fund, accessible when the child reaches 18, or increasingly, when they turn 21 or even 25

許多家庭會選擇傳統的信託基金，當孩子年滿 18 歲（越來越多人選擇 21 或 25歲）時便能取得

But ultimately, we all want our children or dependence to be happy and healthy, but be careful

但最終，我們都希望我們的孩子健康快樂，但小心喔

wanting to help financially can sometimes end up doing more harm than good

提供孩子們財政援助壞處有時多過於好處