How to account for potential future inheritance for retirement?
When you go to financial sites to look at your retirement fund projections over time, sometimes they ask you about expected inheritances. What if you know you will be getting a decent sum of money in the future, but you don't know when (obviously if the person(s) are still alive), or how much...? How can you plan for this? (Ugh, it seems so callous to even discuss! But these sites do ask...so it got me curious, I guess, how others do this.)
We run a tight budget without a lot of extras, but we also max out the Roth and 401Ks. There is just so much unknown with the inheritance issue, but I would love to be able to free up some of that money going to the retirement funds so we can enjoy it now if we could factor that into the projections somehow.
Is there any reasonable way to factor this in, or should we forge ahead with our current plan and not account for this at all?