I'm a multimillionaire, but I'm not leaving my kids any cash inheritance. I think it would be a mistake to make them wealthy.

Courtesy of George Appling

• George Appling had $1 million in the bank by 36 and is now a multimillionaire.
• He doesn't plan to leave his three kids a cash inheritance.
• Instead, he plans to pay for college, a car, a down payment, and make business loans.

This as-told-to essay is based on a conversation with George Appling. It has been edited for length and clarity.

I met my now-husband Brian when I was 28...