A survey of wealthy Americans by Charles Schwab reveals a fascinating generational divide over how, and when, they leave money to their heirs. 

Millennials and Generation Xers want to transfer wealth to the next generation during their lifetime, the survey found. Baby boomers prefer to wait until they are dead. 

More specifically, wealthy millennials and Gen Xers who answered the survey were more than twice as likely as boomers to agree with this statement: “I want the next generation to enjoy my money while I’m still alive.” 

The finding comes from a survey of more than 1,000 Americans with at least $1 million in investable assets, released in December by the investment firm.