A disturbing study, largely overlooked, from three Ivy League researchers finds that almost half of Americans die owning less than $10,000.

The study’s authors, James Poterba of MIT, Steven Venti of Dartmouth and David Wise of Harvard, wrote in February that they found “a substantial fraction of persons die with virtually no financial assets—46.1 percent with less than $10,000—and many of these households also have no housing wealth and rely almost entirely on Social Security benefits for support.”

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