Your might find it worth reading back-to-back biographies of the Vanderbilts and Rockefellers. The Vanderbilts' wealth created generations of horror. The Rockefellers did much better: generally functional families and several descendants making solid contributions to the world. It's clear enough from the books where the difference comes from. If you raise your kids right, inheritance is not a bad thing.

http://www.amazon.com/Fortunes-Children-Fall-House-Vanderbil...

http://www.amazon.com/Titan-Life-John-Rockefeller-Sr/dp/1470...