Home to all things "Mildly Infuriating" Not infuriating, not enraging. Mildly Infuriating. All posts should reflect that.
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Lucky for me my parents were both "I didn't save anything for retirement, my kids will take care of me when I'm older", so I don't have to suffer through this.
I want my parents to enjoy the money they worked their entire life for. I believe work allows to live, and not the contrary where you live to work. I would 10000x rather my parents enjoy the effort they put for their money instead of dying of exhaustion without being able to use their money
Posting this as infuriating seems grossly entitled. Many of us in these younger generations won't have excess to give to the next generation, why should we feel that is owed to us?
You may be right, but at the same time, you getting an inheritance makes it a lot easier for your kids to get one too some day.
So much this. In my country my parents generation could afford buying a house on two middle class incomes when they were end of 20s early 30s. In my generation that is only possible with generational wealth.
I will never be able to own a home because the cost of a down payment goes up with the market, while my saved money's value stays constant (goes down with inflation). It is literally impossible for me to save it fast enough, even if I saved $1000, which is half of what I pay in rent, per month.
Assuming you're in the US you should know that first time home buyers can put basically 0% down. You need to pay mortgage insurance until you hit 20% equity in your home but that isn't terribly expensive when you compare it to the mortgage, insurance, and taxes. The 20% down rule is really only if youre selling an existing property to buy a different one. No bank is expecting a first time buyer to put 20% down.
I want to say the total amount I paid out of pocket at closing for my house was like $3000 back in 2018. So it's still spendy but the down payment isn't as much of an obstacle as people make it out to be. The bigger obstacles are just having a good credit score and a history of stable employment.
As much as I dislike not having savings and something to hand down, this generational wealth crap is a big part of the inequality we are living in now. The more this is normalized the harder it makes it for anyone that doesn't have it to succeed. As someone that doesn't have it I'd personally like to see society bend toward making things more accessible for those without the silver spoons.
We won't have it directly because the boomers have decided consistently across the decades to leave younger generations with nothing. This is just the latest version of that, except now they're doing it directly to their own children and yeah, it can smart. It's valid to express frustration at a generation that was handed everything, is leaving nothing, and now they're doing it in a more personal way.
Every other generation before and after them seem to be on the same page as far as accumulating enough to leave for the next generation so they can have better lives than you had. But not the Boomers, never them. They're going to get theirs and they deserve to have ALL of it. The next gen can earn their own way just like they had to, after all. Even though they voted away all opportunities to do that, and passing along generational wealth has always been a big key to any kind of success.
My grandpa wants to go to space in his lifetime, but doesn't want to spend everything he's been saving for my us. I'm like...dude. You worked your ass off all this time. Go to fucking space. I think it'd be badass.
Dying happy and accomplishing your dreams is much better than any amount of money because money is just a number. I have a good job and family and enough money that I don't really have to think before buying something (even though for most i still do because I don't like wasting and impulsiveness is a bad thing). I've seen and heard way to many stories of people delaying their retirement by "just one more year" and that ends up the year that they either get very ill, hurt themselves or just plain die, always with a huge pile of money. Money also shouldn't be spent when old, because you cant enjoy it to the same degree
Right? All of us are doing okay. Times are tough, but we'll make it through.
At the end of the day, I just want to see my grandpa happy and want him to have no regrets. Thankfully, he is comfortably retired and has been for like 15 years, but who knows how much longer he has. I hope he ends up doing it, but I think he feels too guilty.
Sure and that's fine, but then we need to stop as a society assuming that generational wealth is a thing, and that parents will help their children. Parents do not help with down payments like they used to, or with other major life events, and so we need to assume everyone is starting from zero
What on earth are you talking about? Generational wealth is not a binary thing. There are people rich enough to pass their fortune to their kids and then there are ones who can't. That's how it has always been and that's how it's always going to be.
Sure, there are those parents. And there are a lot of parents like the ones in the article. Saying it isn't so and covering your ears doesn't change the fact that this is an experience a lot of people are having.
Well, that really depends on the society. I don’t live in one that makes such assumptions. It feels a little bit entitled to assume something like that, but that could also just be cultural differences between developed and non-developed countries. The former have social security and safety nets, rendering an inheritance less important and much less prominent. Feels like the only inheritance worth even thinking about is if you have millions in excess of what you need for living, and in developed countries that is very much less prominent than in developing countries
How can we be reaching this conclusion, with all the accumulated wealth in the world? How can we be seriously believing everybody should start at zero? I can't believe what I'm reading here. Generational wealth is absolutely a thing, we inherit everything from the past. As a species, we inherit the wealth of the previous generation. Where are we imagining it goes? Given that it exists, why are we not entitled to benefit from it? There is so much wealth in the global economy, the issue is of distribution.
The big caveat to this is if it is a lot of money. If it more than a few million it should be passed down and someone can live off of interest and some good investments.
I know a guy who technically doesn't have to work at all because his family has been passing down a huge amount of money though the generations. I guess his great great grandfather struck it rich and now everyone is set. How the fortune is maintained is though legal stuff tied to the money in the form of wills. Basically it prohibits crazy spending and sets rules.