The reality is simple if you really want to get a greater return of your "investment" when you have a kid, is to pour that into the kid itself. Sure leaving some money to them is great feeling if you can do that, or leaving real estate, or whatever networth really, like leave something behind. But when you have a kid, the real aim is to make sure that you equip them with everything you may need, and that's the most important part.

If you can do that, then you are going to be feeling absolutely no zero doubt that you tried your best. My parents are like that, they do not feel fear, sure they will not leave me with anything but their town house, which won't be worth much honestly, but they know that they gave me a great education, which is all they wanted.