In what’s being described as the Great Wealth Transfer, economists project that more than $100 trillion of wealth will pass from the baby boomer generation to their children over the next 25 years.

As of today, an overwhelming majority (66%) of Americans expect—or already have received—an inheritance from their parents, according to a new survey from Choice Mutual .

And that is having a profound effect on saving habits: Nearly 1 in 10 Americans feels less pressure to save because they expect to inherit money, the same survey found. But counting on an inheritance is a fragile strategy, especially when part of it is wrapped up in a family home. 3

Though baby boomers hold an estimated $18 trillion to $19 trillion of real estate wealth , health care costs, long-term care,

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