Naw, I'm just a touch conservative with money. Never carry debt and if I need to (mortgage), I'll pay it off as fast as possible. Building funds for retirement is tricky, but knowing I'll have enough to make it to the end really reduces any stress. Best way to go is nearly broke in the liquid assets and leave the other stuff to the heirs after selling off the stuff that you know will be worth more than the clan would consider.
The FIL had me take all his tools and such early because he warned me that when he goes, the family will raid the place and fight over everything (he was right!) Fortunately me wife and SIL were the smart ones and did the final allotments fairly.