My brother. He's just about to go to college, which can have a massive impact on life. Not only does it obviously play a role in what sort of career you can get into and how fiscally secure you can hope to be, but it's also where a lot of people meet their future spouses which hopefully leads to the dog, the house, the 2.5 kids, etc. If I die right now, all that would be jeopardized. Maybe he can't focus and drops out... doesn't get that job... doesn't meet that wife... ends up in the same rotten position I'm in. I can't risk that. He needs to reach a more stable and self-sustaining point in life before I can opt out.