Sadly, I am still partially supporting my children who are almost 30 yrs old even though I spent almost $1m on all their overseas education. Am setting up a trust fund to take care of them after I'm gone because they (especially one of them) are quite spendthrift and I'm afraid if they get all my money in a lump sum, they will squander it. When I think back, perhaps I should not have pampered them so much....