Hi Mark. So true! Inheritance is a great source of retirement income, but it wouldn't be considered "Retirement Savings" in the sense that you put it away over time for the purpose of retirement. For those like you, if there's a high probability of inheritance I would agree that it should be taken into account in one's retirement planning. It might even be a reason to retire earlier than planned. But it would have been hard to include in this article given the unpredictability of it from a statistical perspective. I personally, like you, have incorporated it into my retirement finances. Thanks again!