In preference to “skiing,” well off people should consider their kids’ struggles paying “payroll taxes” - which go into the Social Security “Trust Fund” - and thence directly into the Social Security checks of retirees nationwide. Even at that, the cash flow of SS is now negative - and tapping that “Trust Fund” is illusory since it is “invested” in IOUs the government wrote to itself. So to redeem that “fund,” the government has to get the money from the general treasury. So Social Security is just a dirty Ponzi Scheme trick played on the kids.If you’re that well off, you can afford to give your Social Security checks to the kids. And set the example that they should do the same for your grandchildren, if possible.
Or, you could help your kids learn to invest by helping them fund a 401K or fund IRA’s...that’s what we are doing.