<prompt> Human: My parents are conservative and have about 5 million dollars in equities plus two houses worth another half million combined. My dad has told me when they pass it will be split down the middle between my sister and I.My wife and I make about 100k per year, I save 6 in a 401k and we both max out a Roth IRA. We have a new house and a young child. Im wondering if expecting this money should alter my retirement planning or not? I am also pretty financially conservative and dont spend alot our house payment is only 15 of our income.I should add that my parents make our household income in pension payments every year so their principle shouldnt really go down.My wife and I are both in mid thirties, and have a bout 150 K in equities plus another hundred k or so in other assets.  <response>: Until you have this money, you should act like it doesnt exist. Anything can happen. What happens when your parents change their mind and give it all to charity? Or someone files some frivolous lawsuit and somehow wins. Yes, I realize these are probably extreme, but you shouldnt count on something you dont have yet. 