A sign of the times as to expectations on family inheritance, and how the younger generation are quite literally banking on receiving money from parents and grandparents. 

Some great tips in this article in the Independent to get you thinking about estate planning, which can briefly be summarised to having difficult conversations (easier said than done; English people hate talking about money!) and to take good advice on the tax and legal implications of your plans. 

For the more complicated family estates, consider approaching a lawyer or mediator to help you have the conversations.