Your kids should inheirit the desk your great granpa mades, those plates that have been in the family for years. Your lost $40 should be used to pay the taxi driver who brings you to the hospital where you die.

give them love now. Teach them to care for thenselves. They should expect to get nothing. Spend your money yourself for what makes you happy.

Don't give the bills - pre-pay your funeral. (Careful - there are a lot of scams here).