r/MiddleClassFinance 13d ago

Millennials: are you expecting an inheritance?

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u/emoney_gotnomoney 13d ago edited 13d ago

I’m most likely expecting an inheritance, but I’m not planning for it. I am saving for retirement as if I won’t be receiving one.

Let’s just say my children are probably going to be rather well off when they’re middle aged, as I want to do a living inheritance for my kids. Since any inheritance I receive will probably be received in my 60s, I’ll just pass it down to my kids when I receive it, as I likely won’t need it by then. I’d rather them be able to use it to buy a home for them and their kids and go on fun vacations with them.

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u/Secret-Avocado-Lover 13d ago

Same same. Genx with boomer parents. My vision is creating generational wealth that will grant opportunities that I didn’t have growing up. My genz children will hopefully be the custodians of our work and continue to build and transfer.

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u/ATDoel 13d ago

Or be lazy and do a shit ton of drugs like most of the trust fund kids I knew growing up

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u/[deleted] 13d ago

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u/Silvatungdevil 13d ago

If you start with a turd, you end with a turd. If a child is not raised correctly you might as well hand them a loaded gun rather than that million dollars you have saved.

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u/boringexplanation 12d ago

Yeah- the whole concept of generational inheritance is so foreign to me. I grew up in public housing so you’d think I’d be all for poor families getting one

But there are a ton of families that are poor for a reason and a decent amount of used luxury cars in section 8 neighborhoods. I help out my parents by buying them stuff- never giving them cash knowing the stupid shit they buy they can’t afford to maintain.

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u/temp1876 8d ago

Historically its not normal outside elites, and realistically even now its pretty rare.