# Should You Give While Living or Wait Until Death?

> Choose now or later: how your wealth transfer strategy impacts heirs and your legacy.
- Title: Should You Give While Living or Wait Until Death? · Kiplinger
- Summary: Choose now or later: how your wealth transfer strategy impacts heirs and your legacy. Giving while alive can fund immediate needs, while waiting lets money…
- Keywords: great wealth transfer, cerulli associates, morning consult, kiplinger, retirement planning, inheritance strategy, Give, While, Living, Wait, Until, Death
- Source: Kiplinger — https://kiplinger.com/puzzles/quizzes/should-you-give-while-you-live-or-wait-until-death-take-our-quiz
- Published: 2026-09-27T17:40:00+00:00
- Read time: 1 min
- Topics: great wealth transfer, cerulli associates, morning consult, kiplinger, retirement planning, inheritance strategy
## The Great Wealth Transfer
Cerulli Associates estimates $124 trillion in assets will transfer across generations by 2030.
## Why Give Now?
A Morning Consult survey shows parents and adult children want inheritance used for debt payoff, home purchases, or retirement security.
## The Trade-Off
Giving while alive provides immediate benefits, while waiting allows time for compound growth.
## Your Strategy
Your financial goals, risk tolerance, and personal values determine the best giving approach.
## Take Our Quiz
Identify your giving style: give now, wait until death, or a mix of both.
## Key takeaway

Giving while alive can fund immediate needs, while waiting lets money grow for future use.