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The government does not take your money when you die. The current federal estate tax exemption is something like $12 million per person. It could revert back to about $6 million but that is still plenty to leave behind if that is what you want. If married, double those numbers.
Some states have state inheritance taxes. Consider looking those rates up if you have a lot of money. You can move to a state with lower inheritance taxes if you want. Lots of rich people do exactly that.
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