“Here’s how to retire early,” promise TikTok’s financial influencers. But the life hacks offered never cover the most important advice: pick the right parents. Because looking ahead, inheritances will decide who does, and doesn’t, get a decent gap between the carriage clock and grim reaper.

Household wealth has surged in Britain in recent decades, to total over £15tn, while wealth inequality is twice as high as income inequality (that’s before we recognise that official figures underestimate the........

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