I agree but my main consideration is as they grow 25-30 yrs older (when compared to their parents) before the kids inherit their parents wealth. We see this in

I agree but my main consideration is as they grow 25-30 yrs older (when compared to their parents) before the kids inherit their parents wealth. We see this in the united states, as the parents of our baby boomers lived until their kids are almost retirement age and consume anything they saved by paying medical bills we have a large break in the amount of wealth that is handed down. Thomas Piketty researched this very idea in 'Capital in the 21st Century'. As an example, the kids of the baby boomers all have to pay for their own college via debt basically because there is no such thing as a family nest-egg anymore. Very few of the middle class families that were started in the 50's 60's have maintained their wealth through their entire lifetimes with enough left over to kick start the next generation. The idea of taking over the proverbial 'family farm' is dead, every generation now has to start from 0 or negative numbers.