(These thoughts are purely the blunt, no nonsense personal opinions of the author and are not intended to provide personal or financial advice).

In the featured post of this blog ‘Six Reasons why Married/Coupled People are able to Achieve More Wealth than Singles’ (six-reasons),  the sixth reason states that married/coupled persons are able to achieve more wealth because they receive two inheritances, while singles receive only one.  (All  things being equal it is assumed that spouses will receive an inheritance from each side of the family).

Research suggests that the average Canadian inheritance is $100,000.  This does seem somewhat understated, especially since the average Canadian house is now worth $400,000 plus.

Thomas Piketty’s book “Capital in the Twenty-First Century” (Capital_in_the_Twenty-First_Century) describes how inherited wealth is growing at a much faster pace than economic growth leading to not just a highly unequal society, but to a society of oligarchy, to a society where inherited wealth will dominate, and patrimonial capitalism.

At the present time inherited wealth is outpacing economic growth because capital is tending to produce real returns of 4 to 5 percent while economic growth is much slower at a rate of 2 to 3 percent.

Inherited wealth for married/coupled persons will develop at a much faster pace than inherited wealth for single persons not only because of two inheritances, but also because the rate of return (rule of 72) (Rule_of_72) will also increase the total net worth for the two inheritances. The result is that low income and middle class singles will more likely have difficulty maintaining a decent income level throughout their working lives and into their retirement years in comparison to married/partnered persons.

Outside the Box Thinking

All things being equal, since singles are at a financial disadvantage (investment potential, costs more for singles to live, married/coupled persons receive more in benefits,etc.) in comparison to their married/coupled siblings, parents should think about dividing inheritance between their children so that the single child receives an additional 20%-25% of his/her share of the inheritance.  (added January 14, 2016)


A value of $100,000 lost will be added to the list.  This is probably grossly understated since, first, inheritances are likely higher than $100,000, and second, the rule of 72 growth has not been added since it is not possible to calculate.  (However, using rule of 72, a rate of return of 3.5 per cent would double the original $100,000 in twenty years.)

(This blog is of a general nature about financial discrimination of individuals/singles.  It is not intended to provide personal or financial advicel)