> If getting a million dollars wouldn't affect how much money you can leave your kids, you already have generational wealth.

Generational wealth is definitely not "affect[ing] how much money you can leave your kids." That's an equivocation - if you're leaving your kids a dollar, another dollar will "affect how much money you can leave your kids."

edit: you need a million dollars to securely retire at all, and that's if your parents, kids, or you don't get sick. If they do, a million is not only not "generational wealth" but it may not even last you three years.