Help Me Sleep At Night...

So I've been doing some investing homework to try to figure out how to help my kids...not being born into mega-wealth myself...and not having earned my first million yet...I hate to think my kids are going to be left penniless when I move on

So the question is how to make sure my kids live well as they develop families of their own... and I move on to Summerland (although not wanting to make that trip anytime soon since I just fell in love big time and am happier than I've ever been...) Still, I'm a planner...thus my inquiries...

One financial advisor said Roth IRA's are the way to go because you can contribute as much as your child earns in a year (up to $4000/yr) ... my problem with this plan is that my youngest has no earned income and at the age my older two are it would take 40 years for them to accumulate a million dollars even with a good rate ... I'm using an average of 7% per annum... that means they'd be mid-sixties ... not the best plan ...so the next idea?

I gotta sell more books...

I'm pretty certain my writing heros: Diana Gabaldon, Laurell K Hamilton, and Stephen King do not lay awake at night worrying about whether they are going to have money to actually leave to their children post declining health old age costs...

Sells Pitch follows...

You will LOVE Sacred Secrets and Sacred Revelations the first two books in my Chronicles of Surrender series available from Liquid Silver Books; You are also going to be delighted by the anthology that is coming soon from Loose-Id...watch for it!!! And yeah, Click the titles...buy the books...help me sleep at night:)