{"id":7939,"date":"2018-12-25T13:00:14","date_gmt":"2018-12-25T20:00:14","guid":{"rendered":"https:\/\/www.personalfinanceforbeginners.com\/?p=7939"},"modified":"2018-12-25T13:00:14","modified_gmt":"2018-12-25T20:00:14","slug":"generational-wealth","status":"publish","type":"post","link":"https:\/\/www.personalfinanceforbeginners.com\/generational-wealth\/","title":{"rendered":"Generational Wealth and Your Financial Legacy"},"content":{"rendered":"<p>Generational wealth is the financial legacy that most people want to leave for their families.<\/p>\n<p>Even though personal finance is a considered a \u201cpersonal\u201d thing, there are many areas in which money management is a family affair.<\/p>\n<p>An inheritance, passing wealth from one generation on to another one, is the most obvious example:<\/p>\n<p>However, your family\u2019s financial legacy extends even beyond the passing of wealth or debt.<\/p>\n<p>Whether you realize it or not, your family\u2019s financial legacy has also influenced your:<\/p>\n<ul>\n<li>Financial literacy\/education<\/li>\n<li>Financial goals<\/li>\n<li><a href=\"https:\/\/www.personalfinanceforbeginners.com\/financial-values-questions\/\">Financial values<\/a><\/li>\n<\/ul>\n<p>There are many different reasons why you may be interested in the topic of generational wealth.<\/p>\n<p>Perhaps you want to:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.personalfinanceforbeginners.com\/make-peace-finances\/\">Make peace with your finances<\/a> after years of bad decisions<\/li>\n<li>Learn how to get the most out of an inheritance or some other windfall<\/li>\n<li>Create a secure and abundant financial future for your future family<\/li>\n<\/ul>\n<p>In this post, you\u2019ll learn the definition of generational wealth, get an idea of how much money you need to reach your goal, and explore basic strategies to build and protect that wealth.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_49 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Jump to...<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"ez-toc-toggle-icon-1\"><label for=\"item-647a0cfbaed7a\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-647a0cfbaed7a\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-visibility-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.personalfinanceforbeginners.com\/generational-wealth\/#What_is_generational_wealth\" title=\"What is generational wealth?\">What is generational wealth?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.personalfinanceforbeginners.com\/generational-wealth\/#How_much_do_you_need_for_%E2%80%9Cgenerational_wealth%E2%80%9D\" title=\"How much do you need for \u201cgenerational wealth?\u201d\">How much do you need for \u201cgenerational wealth?\u201d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.personalfinanceforbeginners.com\/generational-wealth\/#How_can_you_build_generational_wealth\" title=\"How can you build generational wealth?\">How can you build generational wealth?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.personalfinanceforbeginners.com\/generational-wealth\/#How_do_families_lose_wealth\" title=\"How do families lose wealth?\">How do families lose wealth?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.personalfinanceforbeginners.com\/generational-wealth\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_generational_wealth\"><\/span>What is generational wealth?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Let\u2019s start by defining generational wealth.<\/p>\n<p>Generational wealth is assets \u2013 often cash, real estate, business ownership, or collectibles \u2013 that can be passed down from one family generation to the next.<\/p>\n<p>Commonly recognized examples of families who possess generational wealth often come from backgrounds of:<\/p>\n<ul>\n<li>Government\/political royalty<\/li>\n<li>Tech and business moguls<\/li>\n<li>Professional athletes<\/li>\n<li>Popular culture celebrities<\/li>\n<\/ul>\n<p>But just because these are popular examples doesn\u2019t mean they are the best or most common illustration of what legacy wealth looks like.<\/p>\n<p>Many people who understand the difference of rich versus wealthy also embrace the idea of \u201c<a href=\"https:\/\/www.financialsamurai.com\/the-rise-of-stealth-wealth-guide-to-staying-invisible-from-society-rage\/\">stealth wealth<\/a>,\u201d or keeping your riches hidden from society by avoiding extravagant consumerism and consumption.<\/p>\n<p>You probably have friends whose families are part of the <a href=\"https:\/\/www.personalfinanceforbeginners.com\/million-dollars-club\/\">million dollars club<\/a> whether you realize it or not!<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_much_do_you_need_for_%E2%80%9Cgenerational_wealth%E2%80%9D\"><\/span>How much do you need for \u201cgenerational wealth?\u201d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The amount of generational wealth needed to reach your lofty financial dream depends on two things:<\/p>\n<ol>\n<li>The lifestyle you want to provide for your family<\/li>\n<li>The size of your family<\/li>\n<\/ol>\n<p>Most personal finance enthusiasts go off the 4% rule: as a general rule of thumb, you can withdraw 4% of your nest egg indefinitely without worrying about running out.<\/p>\n<p>Let\u2019s say you <a href=\"https:\/\/www.personalfinanceforbeginners.com\/become-a-millionaire\/\">become a millionaire<\/a> during your lifetime. After you pass away, each child receives $500,000. Based on the 4% rule, each child could withdraw $20,000 a year from that point forward without touching the principal.<\/p>\n<p>Not exactly the windfall you\u2019d wanted to give?<\/p>\n<p>As you can see, building generational wealth isn\u2019t easy. Passing along any inheritance can have a positive financial impact on future generations.<\/p>\n<p>But if you\u2019re interested in reaching financial independence and then providing that same privilege to your family indefinitely, it\u2019s doing to take tens \u2013 or hundreds \u2013 of millions of dollars.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_can_you_build_generational_wealth\"><\/span>How can you build generational wealth?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Whether your goal is to provide your future offspring with a huge fortune or just provide some additional financial security, the key is to start acquiring and building as many assets as possible.<\/p>\n<p>There are many different approaches you can take to doing this. Over time, you\u2019ll want to diversify the sources of your wealth to help reduce the risk of a family <a href=\"https:\/\/www.personalfinanceforbeginners.com\/financial-crisis\/\">financial crisis<\/a> if things take a turn for the worse.<\/p>\n<p>However, don\u2019t delay your wealth-building by letting fear and uncertainty scare you. Remember these basic <a href=\"https:\/\/www.personalfinanceforbeginners.com\/investment-truths\/\">investment truths<\/a>:<\/p>\n<ol>\n<li>The market always goes up over the long run<\/li>\n<li>There is no way to predict the next downturn<\/li>\n<li>Even if you start investing at a terrible time, you will still be better off than waiting to invest until the perfect time<\/li>\n<\/ol>\n<p>Building generational wealth for your family is very much on the opposite side of the spectrum as <a href=\"https:\/\/www.personalfinanceforbeginners.com\/short-term-investing\/\">short-term investing<\/a>.<\/p>\n<p>A very basic plan should be to:<\/p>\n<ol>\n<li>Create an <a href=\"https:\/\/www.personalfinanceforbeginners.com\/save-rainy-day\/\">emergency fund<\/a> if you haven\u2019t already<\/li>\n<li>Contribute to any employer-matched investments<\/li>\n<li>Pay off your debt \u2013 especially high-interest debt like credit cards<\/li>\n<li>Max out your contributions to your retirement accounts<\/li>\n<li>Acquire other assets<\/li>\n<\/ol>\n<p>The first three or four steps may seem boring, but it\u2019s important that you build a solid financial framework first!<\/p>\n<p>There are many different types of assets you can acquire. You can find examples of people building generational wealth through corporate stock, book or music royalties, restaurants or car washes\u2026<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-7940 aligncenter\" src=\"https:\/\/www.personalfinanceforbeginners.com\/wp-content\/uploads\/2018\/12\/household-wealth-assets.png\" alt=\"percent of households owning each asset\" width=\"1994\" height=\"596\" srcset=\"https:\/\/www.personalfinanceforbeginners.com\/wp-content\/uploads\/2018\/12\/household-wealth-assets.png 1994w, https:\/\/www.personalfinanceforbeginners.com\/wp-content\/uploads\/2018\/12\/household-wealth-assets-300x90.png 300w, https:\/\/www.personalfinanceforbeginners.com\/wp-content\/uploads\/2018\/12\/household-wealth-assets-768x230.png 768w, https:\/\/www.personalfinanceforbeginners.com\/wp-content\/uploads\/2018\/12\/household-wealth-assets-1024x306.png 1024w\" sizes=\"(max-width: 1994px) 100vw, 1994px\" \/><\/p>\n<p>Take a look at the <a href=\"https:\/\/www.census.gov\/data\/tables\/2014\/demo\/wealth\/wealth-asset-ownership.html\">2014 census data on asset ownership<\/a>.<\/p>\n<p>Generally, assets such as a checking account or motor vehicle equity remain fairly consistent across net worth classes.<\/p>\n<p>Three of the major asset classes that separate the wealthiest households from those with less include:<\/p>\n<ul>\n<li>Stocks and mutual fund shares<\/li>\n<li>Rental properties<\/li>\n<li>Business equity<\/li>\n<\/ul>\n<p>Just the difference in asset ownership between the highest tier ($500k+) and the next tier ($250-499k) is astonishing:<\/p>\n<p>Households with a net worth of $500,000 or higher were twice as likely to own stocks and mutual fund shares, twice as likely to own rental property, and 50% more likely to have equity in a business.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_do_families_lose_wealth\"><\/span>How do families lose wealth?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Of course, just because generational wealth is intended to last forever, doesn\u2019t mean that will be the case.<\/p>\n<p>Just like many lottery winners don\u2019t know <a href=\"https:\/\/www.personalfinanceforbeginners.com\/what-to-do-if-you-win-the-lottery\/\">what to do after winning the lottery<\/a>, family wealth can also be easily squandered away.<\/p>\n<p>That\u2019s what happens when your financial legacy fails to consider the non-monetary components of a financial legacy:<\/p>\n<ul>\n<li>Financial literacy<\/li>\n<li>Goals<\/li>\n<li>Values<\/li>\n<\/ul>\n<p>If you want to create and preserve a financial legacy that will last for generations, you\u2019ll need to educate yourself on the basics of financial management, work consistently on long-term financial goals, and make sure your goals and behaviors are in line at all times.<\/p>\n<p>(Or at least most of the time\u2026 everybody is going to make a <a href=\"https:\/\/www.personalfinanceforbeginners.com\/favorite-financial-splurges\/\">financial splurge<\/a> every now and then!).<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>There are many reasons why you may be interested in the idea of generational wealth. Maybe you want to preserve what you\u2019ve been given\u2026 Or perhaps you\u2019re motivated to change your family\u2019s financial fortunes.<\/p>\n<p>To build your financial legacy, start by educating yourself on financial principles and building a strong financial foundation.<\/p>\n<p>From there, you can focus on acquiring and building assets: investing in stocks, buying rental properties, or starting a business can all be a great place to start.<\/p>\n<p>And remember, passing on generational wealth is just one potential component of your financial legacy:<\/p>\n<p>You can leave an excellent financial legacy without passing along a large inheritance!<\/p>\n<p><i>What type of financial legacy would you like to leave for your family?<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Generational wealth is the financial legacy that most people want to leave for their families. Even though personal finance is a considered a \u201cpersonal\u201d thing, there are many areas in which money management is a family affair. An inheritance, passing wealth from one generation on to another one, is the most obvious example: However, your [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7941,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0},"categories":[29],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Generational Wealth and Your Financial Legacy<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.personalfinanceforbeginners.com\/generational-wealth\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Generational Wealth and Your Financial Legacy\" \/>\n<meta property=\"og:description\" content=\"Generational wealth is the financial legacy that most people want to leave for their families. Even though personal finance is a considered a \u201cpersonal\u201d thing, there are many areas in which money management is a family affair. 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