What you'll learn

• 1 (00:01) **The Boomer Wealth Gap & The Early Inheritance Question** - The episode opens by framing the massive $90 trillion held by baby boomers and the central tension: millennials and Gen Z wondering if they should get their inheritance before their parents die.
• 2 (07:26) **Charlotte Cowles Explains the Millennial Frustration** - The money columnist for New York Magazine's The Cut discusses her article on young people who wish their parents would give them money now.
• 3 (09:02) **The Investment Gap Between Generations** - A key friction point emerges: boomers often keep inheritance money in low-yield savings accounts, while millennials see this as wasting potential growth.
• 4 (10:51) **Death, Guilt, and the Fear of Spending Down Savings** - The emotional weight of inheritance is tied to confronting mortality and the scary transition from earning to spending wealth.
• 5 (11:50) **The "Self-Reliance" Counterargument** - A boomer parent's perspective is presented: withholding money to teach children the value of making it on their own.
• 6 (14:01) **Generational Universal Truths** - The host and Cowles agree that every generation thinks the next has it easier and feels more entitled, but data shows real market differences for millennials.
• 7 (19:41) **Bill Perkins: The "Die With Zero" Argument** - The author joins to argue that inheritance should be given well before death to maximize its impact on the recipient's life.

+ Full timestamped outline available in the app