I may be older than the average collector on this site (71) and while I am in decent health, I decided to not burden my wife the problems associated with selling off a lifetime collection were something to happen to me unexpectedly.
I took it upon myself to sell off most of my collection a few years back. Regrets? As Frank would say, "I have a few." But in retrospect it was still the best thing to do. An additional consideration: while most individual cards were in bank safe-deposit boxes, most of my sets, etc were in my house (but not on display). Living in California these days means my house could go up in smoke along with my collection - because in an emergency, I'm grabbing my wife and my dog and heading for safety.
Good luck with your decision.
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