I'd use maybe one to get through the rest of my senior year in high school, then maybe take a couple during college. So that's 3 gone... then perhaps use a couple to game some talents, like to draw or play an instrument exceptionally well. 5 gone, 19 left. I'd leave the rest to use rationally, or like the OP, leave them for my kids to inherit if I meet an early end.
Kind of boring, but hey, learning to do something I've always wanted to do without the uphill climb? Yes please.
Kind of boring, but hey, learning to do something I've always wanted to do without the uphill climb? Yes please.