Why Gen X should stop planning around an inheritance that may never arrive
·2 min read
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There is a line item in a lot of Gen X retirement plans that nobody writes down.
Key facts
A paid-off house worth $400,000 and $200,000 in savings looks like a meaningful inheritance to a Gen X child doing mental math
Something close to $124 trillion in American wealth is projected to change hands by 2048, and Gen X is first in line
Across all households, Federal Reserve data puts the average received at roughly $46,200
Households in the top one percent average close to $719,000
Summary
It does not appear on a spreadsheet. But it sits in the back of the mind of millions of people in their 50s: Eventually, there will be their parents’ house. The reporter understand the instinct. The reporter has spent a career building businesses around finance and how long people live, and this assumption turns up everywhere. Start with the number everyone has heard. Averages do real damage in retirement planning, and inheritance is where they do the most.