I also received a free ride from my parents to an expensive undergraduate institution. Everyone is of different opinions of course, but I also cannot tell you how grateful I am to my parents for doing that. There is nothing like entering your first job free of the burden of a huge debt. If you were a doctor and practically guaranteed huge salaries going forward, it may be a different story. However, the first job out of school, you're making a pittance, working like a dog to establish your career, living in a crappy place with roommates, etc, not having to pay college loans is a huge relief. I don't think this made me less responsible, and I would really try to do the same for my kids. Obviously, everyone comes from different circumstances, so not everybody can afford to do this (or even believe that this is the right thing to do).
If one or both of my kids were truly interested in my collection (and not just to sell it off for the proceeds), I'd give it to them in full. I understand the joy of set collecting. However, there is no way that when I pass I'd have collected all of the sets that I'd want to collect. There are 25 million ways to collect T206, so even if you conquered the Monster, your kids could add to it by upgrading it, adding more back variations, etc. And there are tons of other prewar sets that I'd love to pick up if I had the funds and the time.
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