Will giving my kids too much wealth too early actually ruin them?

It can. Comfort without responsibility produces almost exactly the outcomes founders fear. Kris Kluver, in The Dysfunctional Family Office, treats this as a valid fear, not a paranoid one. Too much comfort too early really does produce entitlement, addiction, broken relationships, and squandered opportunity. The pattern is well-documented across UHNW families. The fix isn't to withhold the wealth. It's to draw a clear line between empowerment and enablement. Empowerment gives the kids tools, education, and a softer landing while they figure out their own direction. Enablement removes every obstacle, which produces codependence and shrinks the kids' capacity to dream. Most founders fear ruining their kids and accidentally do the thing that ruins them. The line is fixable, but it requires deliberate work.