this post was submitted on 22 Dec 2024
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Mildly Infuriating

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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.

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[–] WhatYouNeed@lemmy.world 13 points 3 days ago (2 children)

No one should expect to inherit anything when their loved ones die.

The worst people are those that are too lazy to build something on their own, but sit around praying for their parents death so they can inherited and live an easy life.

[–] milicent_bystandr@lemm.ee 10 points 3 days ago (5 children)

Lewis Carroll has an interesting piece about that. Brings up the point that if someone works hard to benefit the community, and their wealth represents the response of the community to repay that person's work, perhaps it's not unreasonable that that person's request is, "repay it to my children," i.e. inheritance.

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[–] magnetosphere@fedia.io 24 points 3 days ago

I’m all for the average retiree spending freely and enjoying what they earned. They spent a lifetime working; it’s their money. Inheritance issues create way too many family disputes.

[–] HubertManne@moist.catsweat.com 23 points 3 days ago

not eveyone get inheritances. what we need is social safety nets and to collect taxes on wealth.

[–] orgrinrt@lemmy.world 16 points 3 days ago* (last edited 3 days ago) (6 children)

I never really considered an inheritance an option. Seems so off-worldly to me, even though I am by no means from a poor family, just lower middle class.

I think the entire concept of inheritance is something more prominent in developing countries like US or India, where there isn’t a well-established safety nets already in place by the government itself.

Of course we have inheritances too, I know a few who got something, but most of it gets taxed away upon receiving or vanishes covering the deceased’s debts, so I’ve never heard anyone I know get anything other than maybe a weekend vacation in the city next over or maybe a small chunk of student debt away.

Then again I’m not very well-off, and I do know there are the upper class families that have a long standing generational wealth passing over to the new generations. I guess it really depends on the circles one’s in.

But I still think it’s not as common here, at least I’ve never considered it to be normal, and I’ve known well people from upper middle class too.

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[–] y0kai@lemmy.dbzer0.com 8 points 2 days ago (1 children)

Lol my dad left me everything he had when he died. So, I got a truck.

When my mom goes, my sister and I might get to split a house we don't want that's on its third or fourth refinancing.

I guess if your parents don't have an inheritance to give you just never consider not getting one to be a problem.

[–] downhomechunk@midwest.social 1 points 1 day ago

I eat far too much avocado toast to save for retirement or college. I'm happy to spend my twighlight years drinking myself to death under a highway overpass.

Suckers I inherited a cane from one side and a watercolor of a dog from the other. Behold my wealth and cry into your lentils. My lentils are salty enough.

[–] hungryphrog@lemmy.blahaj.zone 15 points 3 days ago

Damn, I wish my parents had an inheritance to waste.

[–] MITM0@lemmy.world 10 points 3 days ago (4 children)

So the real question is, what should Millenials & Gen-Z do now

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[–] halykthered@lemmy.ml 19 points 3 days ago (5 children)

What doesn't get spent on enjoying a retirement we will never get, will be claimed by medical bills from failing health. Generational wealth doesn't apply to us, and no one is coming to save you.

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[–] lordnikon@lemmy.world 11 points 3 days ago (1 children)

I don't think what's talked about enough is kids having the talk with their parents about not being able to take care of them when they get old because you can't afford to take of yourself and didn't save anything for retirement. So you hope SSN will be enough for them. I know my mother always asked me if I would take care of her when she got old.

She would say that's why she had kids. But I had to sit her down and run the math and I said it's not about if I have the will or not it's is it possible and the math just doesn't workout and I have an okay job. I can only imagine what people lower down on the ladder are going through.

There are a lot of boomers that about to get a horrible wake up call and a lot of heartbreak watching our parents suffer at hands of their own making.

They will be drowning and some kids are going to jump in and get pulled under when trying to rescue them and the ones who know they don't have to proper equipment. Stay out of the water and mourn the loss.

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[–] Jackfinished@lemmy.world 6 points 2 days ago (2 children)

Lol I had this convo with my parents, I told them it's their money and I don't expect to get anything.

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[–] WoodScientist@lemmy.world 12 points 3 days ago (2 children)

Inheritance is weird. My partner and I stand to inherit a good bit when the parents on either side pass. Both sides of the family had successful middle class careers saved and invested well. Even considering the siblings on both sides, we could inherit an amount around $1M from either side.

But it's weird in two ways. First, it's not something that can be counted on. On either side it could be completely eaten up by nursing home care and medical costs for our parents. So we're not planning our own retirement assuming a windfall from inheritance. Second, on either side, unless they're unlucky, at least one of the parents is likely to live into their late 80s or 90s. So we'll already be in our 60s or 70s.

In other words, while we stand to likely inherit a good chunk of change, it will come so late in life that we won't really need it. Unless our parents die younger than expected, we will already be well into a fully funded retirement by the time they pass.

I feel inheritance made a lot more sense in the past. A farmer or a craftsman would will their farm or business to their children. And that child would take over that business while the parent was still alive, but too old to work it anymore. The child got the business or farm, but in turn had to support the parent in their later years.

But now? You're basically just inheriting your parent's house and whatever is left over of their retirement accounts. And you're doing so at an age where it really doesn't necessarily help you. Sure, if you yourself are unable to retire, then that windfall will be a godsend. But considering how wealth reproduces through generations, if you're in a position to inherit substantial funds from your parents, odds are you probably have a pretty big nest egg yourself built up by then. The people who could really use an inheritance to fund their retirement are unlikely to have parents wealthy enough to give them one.

But yeah, this is why I support strong inheritance taxes. For most people who inherit anything substantial, by the time you actually inherit something, you don't really need it anymore.

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[–] blarth@thelemmy.club 5 points 2 days ago

Yeah, one of my parents likely isn’t getting anything from theirs, but the other did, and I’m sure they’ll have it all spent. My wife’s family is the same; the generational wealth ends with her parents. We’re fucked, as a whole generation.

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