Never utilizing any of it for its ultimate intent and hoarding it until your dying day.
This is what I really want to avoid, especially if it affects negatively on my family. The balance is hard to find, but I hope I am slowly learning that once I get to a certain point, I will be able to use some without losing it all.
Like your brother - I hope to see the joy in the faces of my family, rather than having to suffer a future they constantly feel they don't have enough to create opportunity.
Precisely - and "creating opportunity" is not exactly a walk in the park in this day and age.