<prompt> Human: I have several very wealthy aunts and uncles mid 50s and healthy who have told me I am in their wills. Also, my future wifes FW mother and step-father also very wealthy and she will inherit a good deal of their fortunes 65 and 70, healthy and not so much, respectively. My grandparents will be leaving me part of their wills but that will not be nearly as much as the above mentioned. I am 25 and FW is 29. I have about 15k in savings, 65k annual income and zero debts. FW has about 60k in student loans and makes a bit less than I do, not much in savings thanks to student loan payments. I have to plan for a wedding, house and at least one child in the next few years.As morbid as this post may be, I know we have several inheritances coming our way later in life. Should that affect how much I put away into savings every month? I contribute 4 to a 401k and am considering opening a ROTH IRA.Thank you to anyone who has read my post. Does anyone have any advice for planning for retirement given the above criteria? Id be happy to provide any more info I can if it helps. Cheers!  <response>: If I were you, Id discount inheritance significantly. You never know whats really going to be left, and whether youre really in the will. Id always prefer to find myself over prepared and ready to retire early rather than expecting some pot of gold to be waiting for me and then finding out its not really there. 