Headlines talk about a wave of money changing hands as the population ages and inheritances are passed on to the next generation.

But most of that money will be going to households that won't have to depend on it for their retirement preparedness.

That's the determination of a new study from the Center for Retirement Research at Boston College, which looked at data from the National Retirement Risk Index (NRRI), based on the Federal Reserve's Survey of Consumer Finances (SCF). (The NRRI measures how well prepared Americans are for retirement by comparing projections of how much money they'll have in retirement with projections of how much money they'll need.)

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