Don't Bank on It: Why an Inheritance Isn't a Wealth Plan⎟Ep. 23

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Inheritances feel like a plan. They feel certain when nothing else does. And that feeling is exactly why they're so dangerous to rely on.

This episode is the honest conversation that most financial advisers don't have — and most families definitely don't.

In this episode of She Owns This:

The five variables that make inheritances unreliable: the amount, the timing, who it goes to, legal challenges, and how grandchildren change the picture
The NZ timing problem: if your parents are 25–30 years older than you and live into their late 80s, you may not receive anything until you're 60 — too late to change what compounding could have done
What the Family Protection Act 1955 actually says about wills, children's rights, and what can and can't be challenged in NZ
The Margaret Ducas case: the $4 million left to the SPCA — and what happened when her children decided that wasn't acceptable
Why quietly expecting an inheritance changes how you feel about your parents' spending — and what that does to relationships over time

An inheritance should be a pleasant surprise. Not a load-bearing wall.

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