<prompt> Human: Edit: Removing mentions of cashing out process from my post. Appreciate all the advice on it, its been fantastic and has convinced me I need to change my game plan, but thats only 10 of what I was hoping to discuss. Lets move the discussion forwards into investmentretirement and college saving plans, please. Thanks for all the insightful comments!Moving my edit to the top for hopefully more visibility. Edit: Guys, I appreciate all the advice around gift tax and inheritance tax. Very helpful. Would appreciate some more commentsadvice around the rest of the financial plan, though. Does anyone have anything constructive to say around that?So, I kinda have a plan already, but Id like to hear some constructive feedback and alternative ideas of what you would do in my shoes. My financial picture details:Wife and I are both 30. Household income 81k including bonus. We dont have a large emergency fund, about 15k in cash which includes about 4k in mutual funds. I work, wife stays at home with our two kids. No large debts except the house; both cars bought in cash both a little older, 2006 2007. No credit card or consumer debts. Wifes student loans paid off, for my student loans I owe my Dad about 10k he paid it off for me so it didnt accrue interest, but I still need to pay him back for it. House worth 205k, we just bought it and owe 160k on it. My tentative plan:The biggest difficulty is that the inheritance is in physical gold coins. This means it needs to be stored safely bank vault. Secondly, to actually use it, I have to take them to a coin dealer who will buy them from me. Im selling them about 6-7 at a time, every couple months, in order to stay under IRS reporting thresholds, and am in process of getting a CCW permit so I can legally carry while transporting. We used to put all daily expenses and bills onto a cash back credit card that we paid off every month. Weve now switched over to using cash for everything we possibly can gas, groceries, eating out, clothing, household, etc. Using the slack that frees up in our income, were now maxing out two Roths, one for me and one for my wife were already contributing to my employers match in my 401k, which is 5. According to Bankrate.com, theses two things alone should give us about 1.45 million in my 401k and about 800k per Roth at age 65 conservative assumptions are no increase in pay from age 30 to 65, only 7 annual return, not maxing pre-retirement contributions. So, maybe Ill retire earlier than 65, but Ill cross that bridge when I can pay for it! In addition to selling enough coin to use cash for our dailymonthly expenses, Im planning to begin depositing an extra thousand or two every so often into my bank account which I can use to pay off our house early only like 5-10k a year. I havent run numbers on this, so dont know how long it will take to pay off the house, but once it is paid off, I would like to continue cashing in the coin in order to have cash to put into some passive stock investments, and once I have enough would like to get into real estate by buying something with cash. The underlying tension, if you can sense it, is my desire to avoid paying income tax on this money, while at the same time trying to get the money out of gold and into a form I can use, as fast as possible. Another issue for me, is paying for college for my kids. Currently aged 4 and 4 months, so Ive definitely got time. But not sure if I should start socking away for it now in an ESA, or continue savinginvesting under the assumption that I can cash flow it when they get there?Questions or details I left out? Sorry for the wall, but this has obviously been something that has been weighing on my mind quite heavily, since it has come to me.  <response>: If I were you, Id melt it all down into a 15 scale size statuette of yourself and display it in your living room. Then, when you pass, you can bequeath it to your heirs, who can stare at your magnificence for generations to come! 