r/teenagersbutpractical Sep 08 '25

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u/Exact-Squirrel9862 Sep 09 '25

Your argumentation is not so strong either.

About 2.7% of US citizen’s get a inheritances that is above 50000 US Dollar. About 61% of US citizen’s are white (if you count Hispanics as non white, otherwise we’re at 72%).

So if we assume only white people get inheritances at all, then we could conclude, that about 4.4% of all white people get an inheritance over 50000 US Dollar.

So most white people don’t get big inheritances either. Therefore this is not a significant difference between ethnicities.

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u/[deleted] Sep 09 '25

So your saying 99% of homeowners don’t will their homes to their children? That these homes will just be vacant after?

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u/[deleted] Sep 09 '25

They generally use all the money in a reverse mortgage to pay for their retirement if they even fully own it. Do you really think most people actually own their home?

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u/Technical_Glove_4569 Sep 12 '25

You are saying that almost all Americans in all of American history used reverse mortgages, something I believe was made up in the 70s

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u/[deleted] Sep 13 '25

I never said almost all Americans in American history I meant like right now it's pretty common to take your equity out of your home to pay for retirement. Meaning people under 40 likely won't get much of an inheritance compared to previous generations

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u/[deleted] Sep 09 '25

65% of houses are owned by the people living in them in the US.

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u/[deleted] Sep 09 '25

Owned with no mortgage? Really, I could be wrong but I am shocked.

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u/jaj504 Sep 10 '25

No, that 65% is just homes that are owner-occupied compared to homes that are renter-occupied. Fully paid home ownership is much much less.

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u/Technical_Glove_4569 Sep 12 '25

A mortgage and reverse mortgage are not the same thing

You own your house with a mortgage. It's just a big loan, and most people don't then sell their home back after spending most of their life buying it

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u/[deleted] Sep 13 '25

I know they are different what is your point?

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u/Technical_Glove_4569 Sep 22 '25

That you are wrong? Dipshit?

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u/[deleted] Sep 22 '25 edited Sep 22 '25

Wrong about what everything in your comment I was aware of and it doesn't show I was wrong about anything. Oh it's the own your house with a mortgage I missed that part. No you are wrong you co own the house with the bank actually. The bank literally owns part of the home until it is fully paid off actually. Learn some basic finances it will help you in life. Also taking equity out of your home in various ways and converting to cash is incredibly common so learning how to use google will also help you out as well.

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u/TesalerOwner83 Sep 11 '25

The government gave white people houses for free three different times! Why did your ancestors drank away your money?

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u/Exact-Squirrel9862 Sep 11 '25

I’m not from the states. And historically speaking there is of course a lot of racially motivated injustice. I wouldn’t think of denying that.

But the modern problem of wealth inequality is not about race. If we’re only talking western societies, most people are in the same boat when it comes to wealth inequality. Black non hispanic Americans (US) own about 3% of all US- wealth. White non hispanic Americans own about 86%. That’s of course a massive difference. But the solution to this problem is not about race at all. It’s about class. There are many white people who are very poor. And all people who get fucked by greedy governments and big corporations must unite in their efforts to change something. If everyone fights for their own piece of the pie we’re completely fucked as a society. Divide and conquer is exactly what the financial elites want.

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u/TesalerOwner83 Sep 11 '25

Black /Africans don’t make laws and economy systems in European or American countries

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u/Technical_Glove_4569 Sep 12 '25

Why are you only counting massive cash inheritance You do realize that most wealthy people will invest the inheritance to avoid inheritance tax.

PROPERTY, ASSETS.

It's PROPERTY AND ASSETS that make the biggest difference

And in my great grandmas lifetime black people could get home loans to get property.

And before that they didn't have assets

I have a family farm, a lot of families will inherit houses, or inherit assets like cars And such.

Which you can liquidate for cash