Here's an interesting story — a survey by a unit of Bank of America of 457 baby boomers (born between 1945 and 1964) with at least $3 million just aren't very interested in leaving an estate for their children. Only 49% felt it was important to leave an inheritance. The rest planned to spend their savings on themselves.

Part of the reluctance to pass along their money may be that the survey respondents -– many of whom described themselves as self-made -– don't trust their heirs with it.

Barely one-third of those surveyed expressed confidence that their children would be able to “handle” an inheritance. And 45% doubt their progeny will have sufficient financial maturity until they're at least 35 years old.

Granted, it's a small sample, and certainly the vast majority of Americans don't have $3 million to leave to anyone. Still, I wonder if this is indicative of a real generational shift, or will the survey participants change their minds as they and their children age?